Firm Overview
B4U Advisor was founded in December 2021 and is a limited liability company organized under
the laws of the State of Delaware with its principal place of business in Florida. B4U Advisor is a
wholly owned subsidiary of Bulltick4U, Inc., and Bulltick4U, Inc. is a wholly- owned subsidiary of
Bulltick Capital Markets Holdings LLC, a holding company that also owns; Bulltick Wealth
Management LLC (“BWM”), an SEC registered investment adviser; Bulltick, LLC (“BLLC”), an SEC
registered and Financial Industry Regulatory Authority (“FINRA”) member broker-dealer; and
Bulltick Insurance Agency (“BIA”), an insurance agency registered with the State of Florida among
other entities (collectively the “Bulltick Group”) Pursuant to SEC Rule 203(A)-2(b), B4U Adviser is
under common control and maintains the same principal office and place of business as BWM. As
such, B4U Advisor is registered with the SEC as a related adviser.
As used in this brochure, the words “we,” “our,” and “us” refer to B4U Advisor and the words “you,”
“your,” and “client” refer to you as either a client or prospective client of B4U Advisor.
Services
B4U Advisor operates a digital interactive software via a website and mobile application owned by
Bulltick4U, Inc. (the “Platform”) catering to individual LATAM clients with a focus initially on the
Mexican market providing such clients access to different financial products. The Platform utilizes
software to provide digital discretionary investment management services through access to
various portfolio models (the “Program”). The Program designs and manages your portfolio, along
with investment monitoring, adviser alerts, and dynamic asset allocation and other signals from
computer-based asset allocation models (each a “Model”).
To establish an account and obtain our services, you will access the Platform and provide us with
certain information utilizing a digital questionnaire designed to evaluate your client profile
regarding your demographic, risk tolerance, financial situation, investment objective(s),, and other
factors. The asset allocation model recommendation is conducted via an algorithmic process, by
assigning values to the information provided. Based on your responses, the Program maps a
personalized risk score and risk-appropriate investment objective designation which prompts our
recommendation of an appropriate model for your account (“Account”) that is most closely aligned
with your client profile. If you agree with the Model recommendation, you will enter into an
investment advisory agreement (the “Agreement”) with us which will set forth the relevant terms
and conditions of the advisory relationship and provide that your Account will be discretionarily
managed in accordance with the Model selected. This discretionary authorization includes
deciding which securities to buy and sell, when to buy and sell, and in what amounts, and perform
rebalancing to maintain target portfolio allocations in accordance with the Model, without
obtaining your prior consent or approval for each transaction.
Any subsequent model changes must be requested through the Platform. You will be prompted
to complete a new digital questionnaire and a Model will be recommended that is appropriately
based on your updated responses and corresponding score. You are advised and agree to log into
your Account and update your client profile information where you will be prompted to complete
a new questionnaire whenever there is a change to your financial circumstances or investment
goals in order to obtain an updated Model recommendation based on any new information.
The Model portfolios are limited to investments in UCITS Exchange Traded Funds (“ETFs”) which
are domiciled in Europe and subject to European Union regulation. UCITS stands for Undertakings
for the Collective Investment of Transferable Securities.
B4U Advisor will only trade those UCITS
ETFs listed on the SIC (Sistema Internacional de Cotizaciones) in Mexico. The Program identifies
the optimal asset classes in which to invest, efficient UCITS ETFs to represent each of those asset
classes, and an ideal mix of asset classes based on the Model.
B4U Adviser currently offers five Model portfolios, which include allocations to preselected ETFs,
and which range from conservative (lowest estimated risk and lowest potential return) to most
aggressive (highest estimated risk and highest potential return). The investment objective for each
of the five Models are as follows:
Conservative (Sleep Well): Our profile for people who prefer the lowest risk assuming low
returns. This is the best choice for the most conservative investors.
Moderately Conservative (Relaxed): The profile for conservative investors looking for a slightly
higher return. An optimal combination for people who are uncomfortable with market volatility.
Moderate (Balanced): A strategy designed to balance risks and achieve moderate returns. This
strategy primarily includes assets with low volatility but with some diversification in equities.
Moderately Aggressive (Sparkling): An investment for risk-biased profiles searching for higher
returns. The selection for investors that give preference to equity strategies.
Aggressive (Adrenaline): The strategy for risk lovers who are ready to tolerate sudden variations
in the value of their investments. This profile is the best choice for investors ready to accept high
volatility.
By entering into the Agreement with B4U Advisor, you acknowledge your ability and willingness to
conduct your relationship with us on an electronic basis. Under the terms of the Agreement, you
agree to receive all Account information and Account documents, and any updates or changes to
same, through your access to the Platform and our electronic communications. Unless noted
otherwise on the Platform or within this Brochure, our investment advisory services and all
information and documentation related to the advisory services, including but not limited to
information provided for your client profile, are managed electronically. We do not make
individual representatives available to discuss servicing matters with clients with the exception of
technical issues with the Platform. In addition, you authorize and direct Interactive Brokers, LLC
(“IB”) to place all trades in your Account and to be the custodian of your Account. You may not
place an order to purchase or sell securities on a self-directed basis. You may not impose
investment restrictions in your Account. Our procedures are designed to make every attempt to
obtain the best execution possible, although there can be no assurance that it can be obtained.
You should understand that the appointment of IB as the sole introducing broker for your Account
under the Program may result in disadvantages to you as a possible result of less favorable
executions than may be available through the use of a different broker-dealer. Once you agree to
open your Account through IB, the custody of your assets will be through IB.
Wrap Fee Programs
Due to the nature of its advisory services, B4U Advisor does not participate in and is not a sponsor
of wrap fee programs.
Wrap fee programs are arrangements between broker-dealers, investment advisers, banks, and
other financial institutions and affiliated and unaffiliated investment advisers through which
clients of such firms receive discretionary investment advisory, execution, clearing, and custodial
services in a “bundled” form. In exchange for these “bundled” services, clients pay an all-inclusive
(or “wrap”) fee determined as a percentage of the assets held in the wrap account.
Assets Under Management
As of December 31, 2023, B4U Advisor maintained $0 in regulatory assets under management.