Unifimoney RIA, Inc. (“Adviser” or “Unifimoney RIA”) is registered with the Securities and Exchange Commission (SEC) as an Investment Adviser, and is majority-owned by Unifimoney, Inc., with a minority stake owned by Benjamin Soppitt, founder and Chief Executive Officer. Unifimoney, Inc, is a Financial Technology company headquartered in Mill Valley, California that offers clients a suite of financial products and services specifically curated to support the long-term growth of their wealth. The automated investment advisory service “Robo Advisor” is provided by Unifimoney RIA as one of the components of the overall product and service suite offered by Unifimoney, Inc. Unifimoney RIA provides advisory accounts and services rather than brokerage accounts and services.
Robo Advisor is an automated, mobile phone-based investment advisory service for retail investors (the “Program”) carried out on the Unifimoney App (the “App”). Adviser provides investment advice and delivers advisory services to clients with the support of a proprietary Software-Based Algorithm. For all Robor-Advisor accounts, Adviser generates a client investor risk profile using a risk score formula that is based on questions answered by the client, addressing topics such as financial situation, investment time horizon, risk tolerance, liquidity, and investment objectives. Adviser will invest client assets on a discretionary basis into a Model Portfolio (“Model Portfolio”) of exchange traded funds (“ETFs”) (the “Recommended Portfolio”) that reflect client’s risk profile. None of the ETFs are affiliated with Adviser.
The client can also override the recommended personalized allocations and choose a different one of the three Model Portfolios, or may impose certain reasonable restrictions on their portfolio by Adviser does not invest client accounts in, or recommend, other investments. Adviser also does not make individual representatives available to discuss specific investment strategies with clients.
The adviser will monitor and re-balance the client’s Selected Portfolio every quarter. When re-balancing occurs any current holdings in client’s Robo Advisor account will be sold and reinvested in the most current applicable model allocation. The funds for the client’s Robo Advisor product will be sourced from their Unifimoney Cash Account, The selection and relative weighting of the ETFs in each of the Model Portfolios are intended to pursue specific investment objectives, including diversification. Although clients may select a different Model Portfolio for the client’s Investment Account, subject to certain limitations, a client cannot change the underlying ETFs that comprise each Model Portfolio, Clients may request reasonable investment restrictions for their Investment Account by contacting us at the email address or phone number found on the cover of this Brochure. Adviser is solely responsible for determining whether any requested investment restriction is reasonable.
Clients who choose a Model Portfolio other than the Recommended Portfolio should understand that such a Selected Portfolio may not be suitable based on their risk tolerance and investment time horizon information provided by the client through

the Risk Tolerance Questionnaire, and that the Selected Model Portfolio may perform worse for the client over any time period than the Recommended Model Portfolio or any other investment.
Under the terms of the client’s agreement with Adviser (“Investment Advisory Agreement”), the client authorizes Adviser to invest client’s Investment Account in accordance with the Selected Portfolio and to periodically rebalance the Investment Account, and that any dividends will be received in cash and invested in accordance with the client’s Selected Portfolio.
As of February 24th, 2023, we provided discretionary management to $60,293 in assets under management.
Self-Elected Trading Unifimoney RIA may permit Clients outside of the robo advisor services to make their own investment decisions and direct their own trades through the Unifimoney App or Website. This service is referred to as “Self-Elected Trading.” With Self-Elected Trading, Unifimoney provides participating Clients with access to a list of securities (“Self-Elected Trading List”) that has been limited by Unifimoney RIA to reasonably match a Client’s suitability level or category based on the information provided by the Client.
Unifimoney RIA will not be providing any specific recommendations or investment advice about the securities on the Self-Elected Trading List and providing the Self-Elected Trading List does not mean that Unifimoney RIA is recommending that Client purchase, hold or sell any of the securities on the Self-Elected Trading List. Unifimoney RIA is only providing advisory services to the extent that it has pre-selected the Self-Elected Trading List. As a result, Unifimoney RIA is only acting as an investment adviser with respect to selecting the Self-Elected Trading List, and not in connection with transactions which are made by Clients that choose to conduct Self-Elected Trading in Client’s own discretion. If a Client purchases a security under Self-Elected Trading, Unifimoney RIA does not provide specific recommendations or advice as to the amount of the security or whether the specific security or transaction or amount to be traded is appropriate for the individual beyond its inclusion in the Self-Elected Trading List. Similarly, Unifimoney RIA does not provide monitoring or advice as to when or if the Client should sell, buy more or continue to hold such security, whether such trading or security is overly concentrated or volatile, or whether the amount purchased or held is suitable for the client. A security suitable for investment may become unsuitable based on market events, volatility or an excessive concentration in such security. Unifimoney RIA will not consider investments and assets outside of Unifimoney RIA.
Clients choosing to purchase individual securities on the Self-Elected Trading List may create an excessive concentration in one or more securities, sectors, or asset classes without the client’s knowledge, inconsistent with their risk profile and contradicting to Unifimoney’s recommendation. Unifimoney RIA does not monitor Self-Elected Trading for such events or considerations. Each Client shall be solely responsible for the trading decisions of such Client’s Self-Elected Trading.