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A financial advisor is a catch-all term that includes financial planners and investment advisors. Most online advisors offer investment management — whether it's carried out by a human or a sophisticated computer algorithm — and financial planning services or tools.
The main types of online financial advisors are:
Online financial advisors allow you to ditch the in-person hassle and access expert financial guidance from your phone or home computer. Online financial advisors leverage investment technology and generally low-cost compared to traditional in-person consultants.
Not only does it make investing more affordable for many individuals, but clients can more easily adjust and monitor their investments on their own time. Robo-advisor and hybrid online advisors typically offer online dashboards and tools for convenient managing and monitoring.
For this list, we didn't consider online advisors that match clients and advisors for comprehensive financial planning services, such as Zoe Financial or Facet Wealth . Instead, we focused on tech-driven firms where you can access an automated and personalized portfolio and consult a professional for advice when needed.
Here are our top picks for the best online financial advisors as picked by Business Insider editors in 2024.
SoFi Automated Investing supports individual investment accounts, joint accounts, traditional IRAs, Roth IRAs, SEP IRAs, and 401(k) rollovers.
SoFi Invest is one of the best investment apps and the best investment apps for beginners. It's a great platform for US investors who are looking for an intuitive online trading experience, an open active or automated investing account, and assets like cryptocurrencies.
SoFi Automated Investing offers individual and joint taxable brokerage accounts , traditional IRA, Roth IRA, and SEP IRA.
SoFi stands out for its lack of advisory fees, free one-on-one consultations with CFPs, portfolio diversity, and goal-planning features. SoFi builds a personalized investment portfolio based on your risk tolerance, goals, and time horizon. Additional SoFi membership perks include loan discounts and career counseling.
What to look out for: SoFi doesn't have tax-loss harvesting features and limited portfolio diversity.
SoFi Invest review
Betterment offers individual or joint accounts, IRAs, trust accounts, and cash reserve or checking accounts.
$0 to open, $10 to start investing ($100,000 for premium plan)
$4 per month (or 0.25%/year) for digital plan; 0.40%/ year for premium plan; 1%/year for crypto portfolios
Betterment is best for hands-off investors who want to take advantage of professionally built, personalized ETF and cryptocurrency portfolios. The platform offers CFP access, so it could suit those in search of additional guidance from human advisors.
Betterment Investing offers individual and joint taxable brokerage, traditional IRA, Roth IRA, SEP IRA, inherited IRA, and trust.
What stands out: Betterment is a robust trading platform offering premium plans with unlimited access to CFPs through phone or email. Investors can use the platform's goal-setting feature, ESG investing, automatic rebalancing, and easy-to-use financial dashboard.
What to look out for: Accounts with a $100,000 balance can upgrade to get advisor access, but the annual fee increases from 0.25% (an industry low) to 0.40%
Betterment review
Fund your first taxable investment account with at least $500 in the first 30 days of account opening and earn a $50 bonus.
$1 ($500 for automated investing)
$0 for stock trades. 0.25% for automated investing (0.06% to 0.13% for fund fees)
Wealthfront is one of the best robo-advisor options if you're in search of low-cost automated portfolio management, and one of the best socially responsible investing apps for features like tax-loss harvesting, US direct indexing, and crypto trusts.
Wealthfront Investing offers individual and joint taxable brokerage, traditional IRA, Roth IRA, SEP IRA, trust, and 529 savings plan .
Wealthfront is one of the best online financial advisors for college education savings and cryptocurrency trusts. You can borrow up to 30% of your investment balance at a low interest rate with a portfolio line of credit. Wealthfront also offers personalized recommendations with smart financial planning software.
What to look out for: On-staff financial advisors don't offer personalized advice
Wealthfront review
Ellevest offers two investing portfolios to fit your needs.
$1 - $240 (varies by portfolio)
$54 - $97 annually; $5 or $9/month
Ellevest is one of the best robo-advisors for goal-focused investing. It could be a good fit if you want automated investing and retirement accounts.
Ellevest offers individual taxable brokerage, traditional IRA, Roth IRA, and SEP IRA (all held at Folio Investments).
Ellevest is a comprehensive financial advisor and trading platform built around women's unique needs and challenges. Investors get access to an extensive library of content and advisor-led workshops. Additionally, Ellevest offers a socially responsible investment portfolio and monthly progress reports.
What to look out for: Financial coaching costs extra (but members get 30%- 50% off). Access to retirement account management requires an upgrade.
Ellevest review
Ameriprise Financial Services has been operating for 130 years Ameriprise Financial Services is licensed in all 50 states but only has 10 physical locations throughout the US; it's currently headquartered in Minneapolis, Minnesota
Varies by account
$500 annual advisory fee, 2% AUM
Ameriprise Financial Services is a brokerage and financial advisory firm best for experienced, passive investors interested in using the site's financial planning services, wealth management tools, and fiduciary advisor access.
Ameriprise Financial Investments offers three managed account options that can be opened as an individual brokerage account, traditional IRAs, Roth IRAs, Simple IRAs, SEP IRAs, 401(k)s, 403(b)s, 529 plans, and Coverdell education savings accounts (CESA).
Ameriprise Financial Investments is one of the largest registered investment advisors in the US and is best for experienced investors looking for advanced charting and investing features. You'll get access to fiduciary financial advisors for consultations or account management.
What to look out for: Ameriprise 's managed account fees are high, and it has a complex fee structure.
Ameriprise Financial Services review
Financial advisors providing financial advice often charge by the hour, typically between $100 to $300. Advisors creating a comprehensive financial plan tend to charge a flat rate between $1,000 and $3,000.
If you hire an advisor to manage your investment portfolio, you'll be charged a percentage of your account balance, typically between 1% and 3% annually. In comparison, that's much higher than the fees that the best robo-advisors charge; you get the added benefit of building a relationship with a trusted source who can adjust your strategy as needed, provide personal recommendations, and answer questions when they arise.
The best online financial advisor for you depends on your goals, risk tolerance, investments, and time horizon. If you're a new investor interested in passive investing, an online robo-advisor is likely a good place to start. On the other hand, if you're looking for professional insight and a customized financial plan, you're better off with access to a human advisor through phone or video calls.
You can also meet with an expert in person for financial guidance. So if you prefer to meet face-to-face, here are some tools to find some in your area:
Online financial advisors are generally trustworthy. The best advisors follow the fiduciary rule, meaning they operate in their clients' best interest and are fee-only. This means client fees are their only compensation, and they don't earn a commission when they invest in certain funds or buy financial products.
Not everyone needs a robo-advisor, but beginners or passive investors looking for a hands-off approach to stock trading may prefer how cost-effective and convenient robo-advisors are. Affordable financial advisors can be hard to come by, so robo-advisors are a great alternative for many people. However, a financial advisor may be better if you need specific advice on your finances or investment strategy or if you're too overwhelmed or confused by your money to plan for retirement or invest in the stock market.
The cost of an online financial advisor varies from platform to platform and advisor to advisor. The cost largely depends on the services, licensing, account balance, and complexity. Robo-advisors typically charge lower fees than human advisors.
We Reviewed the best online financial advisors using Business Insider's methodology for rating investment platforms . We compared a long list of Registered Investment advisors (RIAs), considering fees, investment selection, access, ethics, and customer service. The best online advisors have top marks in all five categories. Investment platforms are given a rating between 0 and 5.
Phone 8 (915) 269-29-39 8 (915) 269-29-39
FILE - Leapmotor vehicles are parked outside a showroom in Hangzhou in eastern China’s Zhejiang province on May 14, 2024. China and the European Union are open to holding talks on the EU’s recent decision to sharply raise tariffs on imports of Chinese-made electric vehicles, officials from both sides say. (AP Photo/Caroline Chen, File)
BANGKOK (AP) — China and the European Union are open to holding talks on the EU’s recent decision to sharply raise tariffs on imports of Chinese-made electric vehicles, officials from both sides say.
China’s Commerce Ministry and Germany’s economy minister said over the weekend that each side was willing to hold talks on the issue. Meanwhile, Chinese state media said Monday that Beijing is pushing for the EU to give up plans to sharply raise provisional tariffs on imports of Chinese-made electric vehicles by July 4.
Escalating a trade dispute over Beijing’s subsidies that Brussels worries are hurting European automakers, the EU plans to impose provisional tariffs of 17.4% to 38.1% on EVs from China for four months starting on July 4. That’s on top of the 10% dutues for all imported EVs. They would apply to vehicles exported to Europe by both Chinese and foreign brands, including Tesla.
The European Commission, the EU’s executive arm, said preliminary results from an investigation into Chinese EV subsidies showed the country’s battery electric vehicle “value chain” benefits from “unfair subsidization” that hurts EU rivals.
Commerce Minister Wang Wentao held a video conference with European Commission Executive Vice President and Trade Commissioner Valdis Dombrovskis, the Chinese Commerce Ministry said in a notice Saturday on its website.
“The two sides agreed to launch consultations on the EU’s anti-subsidy investigation into Chinese electric vehicles,” it said.
“The doors are open for discussions. And I hope that this message was heard,” Germany’s economy and vice chancellor, Robert Habeck, said Sunday while on a visit to China.
In Berlin, German Chancellor Olaf Scholz said he had pushed hard for the EU to offer China further talks when it made its decision on the tariffs.
“There’s still a bit of time until July 4,” Scholz said in a speech to the main industry lobby group in Germany, which has Europe’s biggest economy. “But it’s clear, of course, that we will also need serious movement and progress from the Chinese side.”
“It’s important that the EU takes its opportunity until the end of the month, but also that the Chinese government takes its opportunity to bring about an agreement,” he said.
“It’s not a small issue for us,” Scholz added, pointing to Germany’s export strength and its auto sales to China. “Our industry is confident in global competition; that’s perhaps the difference between the German business and industrial model and some others, where protectionist measures generate more enthusiasm.”
China’s Commerce Ministry on Thursday accused the EU of making unreasonable demands in its investigation into imports of Chinese electric vehicles before it announced it was raising tariffs by as much as 38%.
Ministry spokesman He Yadong said the European side had demanded excessive amounts of information from Chinese automakers and then unfairly accused the Chinese companies of failing to cooperate.
Beijing said last week that it was opening an anti-dumping investigation into pork exports from Europe. In announcing that, the Commerce Ministry did not mention EV tariffs. But the investigation into various pork products was widely seen as a response to the EU measures on electric cars.
The European side has said it wants to discuss the findings of its investigation with Chinese authorities to find ways to resolve the issues.
Associated Press writer Geir Moulson in Berlin contributed to this report.
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China's Commerce Ministry and Germany's economy minister said over the weekend that each side was willing to hold talks on the issue. Meanwhile, Chinese state media said Monday that Beijing is pushing for the EU to give up plans to sharply raise provisional tariffs on imports of Chinese-made electric vehicles by July 4.