Frank Worthelance analyses market and liquidity data in real time and recommends risk-adjusted allocations for surplus business cash. There are no trading fees on any transaction, so returns stay with you.
Traditional cash management products carry management fees, platform charges or a share of returns. Over several years, these deductions quietly reduce the benefit of holding surplus cash productively. Frank Worthelance charges no trading fees on any recommendation it executes, so every dollar of return remains in your account and continues to compound.
Each recommendation follows the same three-stage process, so you can review the reasoning behind every allocation before approving it.
The platform ingests market pricing, interest rate movements and liquidity data in real time, building a current picture of where returns are available without unnecessary exposure.
Statistical models assess volatility and correlation across instruments, screening for options that match a defined risk tolerance rather than chasing the highest headline rate.
The system presents a short list of allocations, each with the reasoning and risk-mitigation logic behind it, so you approve every decision with full context.
Frank Worthelance does not move your money on its own. It models multiple allocation scenarios, ranks them by risk-adjusted outcome, and separates funds that must stay accessible from funds that can be put to work. You retain final approval on every transaction.
This is a tool for sharper decisions, not a replacement for the person making them.
When quarterly revenue exceeds operating requirements, the model identifies short-duration options that keep funds accessible within the same reporting period.
GST and income tax set-asides are allocated separately, with capital preservation treated as the primary objective and any additional return treated as secondary.
As reserves grow beyond the threshold you set for day-to-day operations, the platform recommends how much can move into lower-volatility, higher-yield positions.
All data in transit and at rest is encrypted using industry-standard protocols. Access to account-level data is restricted to the systems required to generate your recommendations.
Frank Worthelance does not charge trading fees, management fees or performance fees on the allocations it recommends. Third-party product providers may apply their own standard costs, which are disclosed before you approve any allocation.
The platform connects to your business banking and accounting data through read-only, permissioned access. No credentials are stored, and access can be revoked at any time.