Abstract: A computer-implemented asset management method automatically selects, creates, and maintains individual portfolios for investors. The method includes: receiving from a client, via one or more computer systems, a client plan that includes risk information indicative of a relative risk desired by the client; receiving client funds for investment; creating asset profiles for individual investment assets, respectively, at least some of the individual investment assets being securities; selecting for the client a personal subset of the investment assets based on the client plan and the asset profiles of the individual assets in the personal subset; and creating a personalized client portfolio of assets by automatically investing the client funds in the personal subset of the investment assets.