ShariaPortfolio Review

ShariaPortfolio Access is the flagship wealth-management program of the Lake Mary, Florida specialist behind the SP Funds ETFs: a fee-only, fiduciary separately-managed-account service for clients with $100,000 or more, pairing a dedicated personal advisor with customized AAOIFI-screened portfolios of halal stocks and funds. Clients get exclusive access to SP Funds RE, a 100% cash, zero-mortgage private real estate fund for accredited investors (1.20% annual management fee), plus alternative assets, Schwab custody, and the firm's purification and zakat tooling. Sharia oversight is by named advisor Shaykh Umer Khan, with per-fund certificates on the affiliated ETFs.

ShariaPortfolio Institutional is the advisor-facing arm of the Florida halal specialist: financial advisors, plan sponsors, and institutions plug ShariaPortfolio's AAOIFI-screened product menu into their own client relationships. Partner advisors retain their clients and share up to 50% of the advisory fees ShariaPortfolio collects; the firm also serves as investment sub-adviser to registered funds, including SP Funds ETFs alongside Toroso and Exponential ETFs, and supports ERISA plans as a limited-scope 3(21) co-fiduciary. Quarterly compliance rebalancing and per-fund Certificates of Sharia Accreditation cover the underlying products.

ShariaPortfolio's 401(k) service brings AAOIFI-screened investing to the account where most American Muslims hold most of their wealth - the employer plan. Delivered turnkey with recordkeeping partner ePlan, a conventional plan can start conversion online in about 15 minutes, with roughly two months end to end. ShariaPortfolio serves as a limited-scope 3(21) co-fiduciary advising on menu design, screening excludes preferred shares, interest-paying securities, and companies failing AAOIFI ratios (including the firm's stricter music/cinema/broadcasting exclusion), and non-compliant holdings are removed at quarterly rebalancing. Standard tax deferral and employer matching stay intact.

ShariaPortfolio Express is the robo tier of a boutique halal asset manager founded in 2003 in Lake Mary, Florida - a Sharia-compliant digital wrap program that opens at $1,000 and delivers model portfolios (aggressive, moderate, conservative) designed by the firm's money managers. Screening follows AAOIFI rules including the firm's stricter-than-typical exclusion of music, cinema, and broadcasting, with quarterly compliance rebalancing. Oversight is by named Sharia Advisor Shaykh Umer Khan, a mufti with a Wharton Master's in Finance; automated onboarding feeds a path to upgrade into the advisor-led Access program as assets grow.

Free web-based zakat calculator on ShariaPortfolio's site, powered by Helping Hands for Relief & Development. It works from the base nisab (gold or silver value) across the categories a proper reckoning needs: cash in hand and bank, money deposited for future purposes, loans given out, business investments, stock value, and deductions for borrowed money, goods bought on credit, wages due to employees, and taxes, rent, and bills due immediately. It sits inside a firm that treats religious money obligations as a documented discipline: SEC-registered, applying AAOIFI-aligned screening, with quarterly published purification factors for the affiliated SP Funds ETFs and published scholarly guidance on nisab, rates, and retirement-account treatment.