Basic gives you full automated portfolio management with no fees ($1,000 minimum). Premium adds a dedicated financial advisor who provides monthly reviews, personalized tax strategies, and unlimited consultations for 0.25% annually ($10,000 minimum).
Yes! You can upgrade to Premium or downgrade to Basic at any time. Changes take effect at the start of your next billing cycle.
No advisory fees on your assets for either plan. ETF expense ratios apply (typically 0.03-0.15% annually), which are standard industry costs. Your broker may charge fees for wire transfers or other services.
Like Schwab, Basic offers $0 advisory fees with just a $1,000 minimum (vs Schwab's $5,000). We provide multi-broker support (Alpaca & Schwab) and flexible cash allocations (5-20% vs Schwab's fixed 6-30%), potentially improving returns. Our Premium tier charges 0.25% annually with a $10,000 minimum, matching Schwab's Premium pricing structure.
All Premium advisors are Certified Financial Planners (CFP®) or Chartered Financial Analysts (CFA®) with a minimum of 5 years experience in portfolio management and financial planning.