About us

We started as a hedge fund. We built what its clients had.

Pantile began in 2021 as a quantitative hedge fund, and its clients were family offices. What David saw working with them was not a product but a service model: one team handling investments, tax, estate, lending, and private deals for a single family. Pantile exists to bring that model to the broadest group of people possible.

Our investing philosophy

The investing came from the hedge fund. It runs every portfolio on the platform.

The standard advice in wealth management is to buy a diversified mix of index funds and hold. That advice is easy to give, easy to defend, and frequently leaves significant value on the table.

Passive funds don't manage risk: they just spread it across more names. They don't optimize taxes: they generate them indiscriminately. And they certainly don't adapt when the macro environment shifts.

Our team holds doctoral-level training in finance and quantitative methods, and the portfolio construction we ran for family offices as a hedge fund is what the platform runs today. It applies to every client account, whether the client came to us directly or through an advisor who affiliated, regardless of account size.

01
Risk-managed portfolio construction
Most advisors put clients in passive index funds because it is simple and defensible, not because it is optimal. We build portfolios using quantitative methods that actively manage factor exposure, correlation, and downside risk, reducing drawdowns without giving up meaningful upside.
02
Returns that hold up across market conditions
A passive S&P 500 fund works great in a bull market. It works terribly when volatility spikes, rates rise, or correlations break down. Our portfolios are designed to generate consistent returns across full market cycles, not just the easy years.
03
Tax strategy woven into every decision
The average investor loses 1 to 2 percent of annual returns to avoidable tax drag. We build tax efficiency into the portfolio from day one: asset location, tax-loss harvesting, and multi-year planning that treats your tax bill as a cost to be actively managed, not accepted.

The people behind Pantile

David Baines

CEO, Founder, and Chief Investment Officer

MBA in Finance, Boston University
Doctorate in Finance, Washington University in St. Louis
PhD in Computer Science, University of Colorado Boulder
Series 65 Licensed Investment Advisor
10+ years in quantitative portfolio management
Former Leader, Corporate Finance at Verizon
Published researcher in portfolio optimization
Founded Pantile Investments in 2021

Why I started Pantile

Pantile started in 2021 as a quantitative hedge fund, and the clients I worked with were family offices. What struck me was not the portfolios. It was the service model. One team saw everything a family owned and handled all of it: the investments, the taxes, the estate, the lending, the private deals, the cash. Nothing fell between specialists, because there was no between.

Before that, I spent over a decade building products in finance and running quantitative strategies for large institutional investors, and I had already seen that institutional-grade portfolio construction did not need to be reserved for endowments and pension funds. Working with family offices showed me the same thing about the whole model. Almost nobody gets it, not because it is complicated, but because it has only ever been delivered by hand, to families large enough to pay for the hands.

So we built the family office as a platform, and we opened two doors to it. Clients can work with Pantile directly. Owner-operated advisors can run their own firm on the platform, or affiliate with us and bring every service on it to the clients they already have, with the back office run by us. Either way, the goal is the same one I started with: bring the all-in-one service model to the broadest group of people possible, with real advisors and evidence behind every decision.