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Fidelon

Investing apps and robo-advisors

These firms manage money for millions of Americans through an app rather than through an advisor you meet. They file the same forms with the SEC as any advisory firm, so we score them on the same record — and rank them against each other, not against firms that sit down with you.

122
Apps with clients
45 more not yet reporting
69
App only
No individual advisors
98
App + advisors
Some human help

The apps most people use

Ordered by how many clients each firm reports to the SEC. A bigger app is not a better one — the score is the judgement, the client count is just who is here.

  1. 1
    Acorns
    Hybrid platform5.2M clients15 advisors
    80.0
    Strong
  2. 2
    Strategic Advisers
    Hybrid platform3.0M clients18,059 advisors
    72.1
    Fair
  3. 3
    Stash
    Hybrid platform1.8M clients1 advisor
    81.5
    Strong
  4. 4
    Betterment
    Hybrid platform1.3M clients31 advisors
    68.3
    Fair
  5. 5
    First Class Capital
    Hybrid platform1.0M clients1 advisor
    88.9
    Strong
  6. 6
    Vanguard Advisers
    Hybrid platform792K clients2,610 advisors
    60.6
    Fair
  7. 7
    Human Interest Advisors
    Hybrid platform762K clients2 advisors
    76.8
    Fair
  8. 8
    Moneylion
    Investing app738K clientsNo individual advisors
    81.9
    Strong
  9. 9
    Wealthfront Advisers
    Hybrid platform687K clients41 advisors
    70.9
    Fair
  10. 10
    Empower Advisory Group
    Hybrid platform297K clients2,105 advisors
    65.3
    Fair
  11. 11
    Sofi Wealth
    Hybrid platform291K clients121 advisors
    73.9
    Fair
  12. 12
    Robinhood Asset Management
    Hybrid platform264K clients168 advisors
    80.0
    Strong

Every other investing app we score

110 smaller and newer firms, same order.

  1. 13
    Transamerica Retirement Advisors
    Hybrid platform213K clients330 advisors
    70.4
    Fair
  2. 14
    Albert Investments
    Investing app210K clientsNo individual advisors
    78.0
    Fair
  3. 15
    Healthequity Advisors
    Hybrid platform178K clients1 advisor
    79.4
    Fair
  4. 16
    Alinea Advisory Services
    Investing app116K clientsNo individual advisors
    80.7
    Strong
  5. 17
    Da Inv
    Investing app110K clientsNo individual advisors
    88.9
    Strong
  6. 18
    Sigfig Wealth Management
    Hybrid platform106K clients5 advisors
    85.9
    Strong
  7. 19
    Autopilot
    Hybrid platform103K clients1 advisor
    84.5
    Strong
  8. 20
    Guided Choice Asset Management
    Investing app85K clientsNo individual advisors
    89.0
    Strong
  9. 21
    Vestwell Advisors
    Hybrid platform83K clients10 advisors
    87.0
    Strong
  10. 22
    Ally Invest Advisors
    Hybrid platform80K clients101 advisors
    78.0
    Fair
  11. 23
    Bloom Investment Advisors
    Investing app71K clientsNo individual advisors
    91.6
    Strong
  12. 24
    Eko
    Investing app68K clientsNo individual advisors
    85.0
    Strong
  13. 25
    Titan
    Hybrid platform51K clients11 advisors
    79.2
    Fair
  14. 26
    Stadion Money Management
    Hybrid platform50K clients13 advisors
    76.3
    Fair
  15. 27
    John Hancock Personal Financial Services
    Hybrid platform36K clients66 advisors
    78.2
    Fair
  16. 28
    Futuremoney Ria
    Hybrid platform35K clients1 advisor
    85.7
    Strong
  17. 29
    Finhabits Advisors
    Hybrid platform34K clients2 advisors
    87.0
    Strong
  18. 30
    Insights Investments
    Investing app34K clientsNo individual advisors
    91.3
    Strong
  19. 31
    Wealth2B
    Investing app32K clientsNo individual advisors
    81.9
    Strong
  20. 32
    Forusall
    Hybrid platform31K clients7 advisors
    91.0
    Strong
  21. 33
    Wahed
    Hybrid platform31K clients1 advisor
    62.9
    Fair
  22. 34
    Qapital Invest
    Hybrid platform30K clients1 advisor
    83.8
    Strong
  23. 35
    Webull Advisors
    Hybrid platform29K clients13 advisors
    80.0
    Strong
  24. 36
    Dasta Investments
    Investing app27K clientsNo individual advisors
    83.8
    Strong
  25. 37
    Unest Advisers
    Hybrid platform20K clients1 advisor
    81.2
    Strong
  26. 38
    Beanstox
    Investing app20K clientsNo individual advisors
    85.5
    Strong
  27. 39
    Backer
    Hybrid platform19K clients1 advisor
    87.3
    Strong
  28. 40
    John E. Sestina And
    Hybrid platform12K clients8 advisors
    83.7
    Strong
  29. 41
    Talon
    Hybrid platform11K clients9 advisors
    81.5
    Strong
  30. 42
    Fundify Advisors
    Investing app9,393 clientsNo individual advisors
    84.2
    Strong
  31. 43
    Carry Advisors
    Investing app8,933 clientsNo individual advisors
    83.5
    Strong
  32. 44
    Revolut Wealth
    Investing app8,441 clientsNo individual advisors
    87.3
    Strong
  33. 45
    Octavewealth
    Hybrid platform8,400 clients2 advisors
    83.3
    Strong
  34. 46
    Magnifi
    Hybrid platform7,648 clients1 advisor
    80.8
    Strong
  35. 47
    Quantbase
    Investing app5,887 clientsNo individual advisors
    87.8
    Strong
  36. 48
    Public Advisors
    Hybrid platform4,521 clients9 advisors
    87.4
    Strong
  37. 49
    Icon Financial Services
    Hybrid platform4,178 clients3 advisors
    83.1
    Strong
  38. 50
    Greenwood Investment Advisors
    Investing app3,818 clientsNo individual advisors
    84.7
    Strong
  39. 51
    Whale
    Investing app3,006 clientsNo individual advisors
    79.4
    Fair
  40. 52
    Independence Square Holdings
    Hybrid platform2,648 clients41 advisors
    58.2
    Weak
  41. 53
    Beagle Invest
    Investing app2,512 clientsNo individual advisors
    84.0
    Strong
  42. 54
    Access Softek Advisory Services
    Hybrid platform2,352 clients1 advisor
    83.4
    Strong
  43. 55
    Caltier Advisors
    Investing app2,304 clientsNo individual advisors
    87.5
    Strong
  44. 56
    Finn
    Investing app1,898 clientsNo individual advisors
    88.6
    Strong
  45. 57
    Mostt
    Hybrid platform1,230 clients1 advisor
    88.6
    Strong
  46. 58
    Streetbeat
    Hybrid platform853 clients1 advisor
    81.0
    Strong
  47. 59
    Elphinstone
    Hybrid platform579 clients1 advisor
    63.9
    Fair
  48. 60
    Unifimoney Ria
    Hybrid platform463 clients1 advisor
    90.2
    Strong
  49. 61
    Evestia Financial
    Hybrid platform343 clients3 advisors
    91.0
    Strong
  50. 62
    Heron Finance
    Hybrid platform285 clients1 advisor
    75.9
    Fair
  51. 63
    Let Bob Advisory
    Hybrid platform246 clients1 advisor
    89.2
    Strong
  52. 64
    Wavvest Wealth
    Hybrid platform245 clients5 advisors
    84.0
    Strong
  53. 65
    Iqvestment
    Hybrid platform237 clients4 advisors
    83.9
    Strong
  54. 66
    Alphaai Capital Management
    Hybrid platform205 clients1 advisor
    82.6
    Strong
  55. 67
    Candlestick Ai
    Investing app200 clientsNo individual advisors
    88.4
    Strong
  56. 68
    Save Advisers
    Investing app200 clientsNo individual advisors
    83.9
    Strong
  57. 69
    Marstone
    Hybrid platform180 clients2 advisors
    86.2
    Strong
  58. 70
    Tradingvalley
    Investing app168 clientsNo individual advisors
    82.7
    Strong
  59. 71
    U.S. Cherry
    Hybrid platform164 clients1 advisor
    86.7
    Strong
  60. 72
    Bbae Advisors
    Investing app148 clientsNo individual advisors
    62.2
    Fair
  61. 73
    Nine30 Advisors
    Hybrid platform140 clients1 advisor
    87.7
    Strong
  62. 74
    Bunker
    Investing app138 clientsNo individual advisors
    85.5
    Strong
  63. 75
    Daba Advisors
    Hybrid platform137 clients1 advisor
    87.9
    Strong
  64. 76
    Matty Ai
    Hybrid platform135 clients1 advisor
    87.9
    Strong
  65. 77
    Quantel Asset Management
    Hybrid platform134 clients3 advisors
    88.3
    Strong
  66. 78
    Advisifi
    Hybrid platform134 clients1 advisor
    87.6
    Strong
  67. 79
    Ursa Financial
    Hybrid platform132 clients1 advisor
    86.3
    Strong
  68. 80
    Valley Financial Management
    Hybrid platform129 clients90 advisors
    70.0
    Fair
  69. 81
    Xantos Labs
    Hybrid platform109 clients1 advisor
    85.5
    Strong
  70. 82
    Manzil Investment Advisors
    Hybrid platform94 clients1 advisor
    83.7
    Strong
  71. 83
    Cleveralpha
    Hybrid platform74 clients2 advisors
    83.1
    Strong
  72. 84
    Advisors Crypto
    Investing app74 clientsNo individual advisors
    82.9
    Strong
  73. 85
    Inversso
    Hybrid platform66 clients1 advisor
    75.3
    Fair
  74. 86
    Sidepocket
    Investing app60 clientsNo individual advisors
    86.5
    Strong
  75. 87
    Ola Invierte
    Investing app54 clientsNo individual advisors
    67.8
    Fair
  76. 88
    Berilium
    Hybrid platform42 clients1 advisor
    85.4
    Strong
  77. 89
    Socialtrader
    Investing app31 clientsNo individual advisors
    81.2
    Strong
  78. 90
    Nytrx
    Hybrid platform23 clients1 advisor
    87.8
    Strong
  79. 91
    Wealthface
    Investing app23 clientsNo individual advisors
    87.5
    Strong
  80. 92
    Marketocracy Masters Capital Management
    Hybrid platform19 clients3 advisors
    86.9
    Strong
  81. 93
    Valur Robo Advisors
    Investing app15 clientsNo individual advisors
    85.9
    Strong
  82. 94
    Benjamins Money
    Investing app13 clientsNo individual advisors
    77.8
    Fair
  83. 95
    Lloyd Tevis Investments
    Investing app12 clientsNo individual advisors
    87.8
    Strong
  84. 96
    Onlyfunds
    Hybrid platform12 clients1 advisor
    87.1
    Strong
  85. 97
    El Menudo Cuenta
    Investing app11 clientsNo individual advisors
    81.4
    Strong
  86. 98
    Richmond Capital
    Hybrid platform10 clients1 advisor
    86.9
    Strong
  87. 99
    Lighthouse
    Investing app10 clientsNo individual advisors
    85.1
    Strong
  88. 100
    Vantar
    Investing app10 clientsNo individual advisors
    83.7
    Strong
  89. 101
    Wolverine Investment Advisors
    Investing app9 clientsNo individual advisors
    82.9
    Strong
  90. 102
    Fingage Advisors
    Hybrid platform8 clients1 advisor
    84.5
    Strong
  91. 103
    Munifi
    Hybrid platform7 clients1 advisor
    88.4
    Strong
  92. 104
    Meta Investment Management
    Investing app7 clientsNo individual advisors
    88.4
    Strong
  93. 105
    Tinderwealth
    Hybrid platform7 clients1 advisor
    84.2
    Strong
  94. 106
    Afinitiv
    Investing app7 clientsNo individual advisors
    82.5
    Strong
  95. 107
    Global Beta Advisors
    Hybrid platform6 clients1 advisor
    86.3
    Strong
  96. 108
    Rewbix
    Hybrid platform5 clients1 advisor
    85.6
    Strong
  97. 109
    Vest Wealth
    Investing app4 clientsNo individual advisors
    92.0
    Strong
  98. 110
    Lati Capital
    Hybrid platform3 clients1 advisor
    87.6
    Strong
  99. 111
    Xoomfi Advisors
    Investing app3 clientsNo individual advisors
    83.2
    Strong
  100. 112
    Echo Financial Advisors
    Hybrid platform2 clients1 advisor
    88.1
    Strong
  101. 113
    M1 Advisory
    Hybrid platform2 clients14 advisors
    86.8
    Strong
  102. 114
    Trustee Empowerment & Protection
    Hybrid platform2 clients5 advisors
    84.0
    Strong
  103. 115
    Quantca Financial
    Hybrid platform2 clients1 advisor
    83.4
    Strong
  104. 116
    Adaptive Advisers
    Investing app2 clientsNo individual advisors
    81.3
    Strong
  105. 117
    Gravity Capital Partners
    Hybrid platform2 clients1 advisor
    79.5
    Fair
  106. 118
    Strategic International
    Hybrid platform2 clients1 advisor
    75.6
    Fair
  107. 119
    Path Digital Advisors
    Hybrid platform1 clients1 advisor
    85.2
    Strong
  108. 120
    Tifin Give
    Investing app1 clientsNo individual advisors
    82.8
    Strong
  109. 121
    Resource Capital Management
    Hybrid platform1 clients1 advisor
    76.8
    Fair
  110. 122
    Concreit Fund Management
    Hybrid platform1 clients1 advisor
    75.9
    Fair

Registered, but not yet reporting clients

45 firms are registered as investing apps but report no clients and no assets on their latest SEC filing. They are listed separately because a score built on an empty record is not comparable to one built on a real book of business — a high number here means there is nothing to disclose yet, not a track record.

  1. Abundo Wealth
    Hybrid platformNo clients reported13 advisors
    89.4
    Strong
  2. Addigence
    Hybrid platformNo clients reported2 advisors
    85.2
    Strong
  3. Ant Money Advisors
    Hybrid platformNo clients reported1 advisor
    87.8
    Strong
  4. Blackcrown
    Investing appNo clients reportedNo individual advisors
    72.2
    Fair
  5. Cove
    Investing appNo clients reportedNo individual advisors
    86.6
    Strong
  6. Datalign
    Hybrid platformNo clients reported2 advisors
    87.6
    Strong
  7. Emcee Invest
    Investing appNo clients reportedNo individual advisors
    74.6
    Fair
  8. Financehq
    Investing appNo clients reportedNo individual advisors
    87.3
    Strong
  9. Firreo
    Investing appNo clients reportedNo individual advisors
    85.4
    Strong
  10. Flameback Capital Usa
    Investing appNo clients reportedNo individual advisors
    80.4
    Strong
  11. Global Predictions
    Hybrid platformNo clients reported2 advisors
    75.0
    Fair
  12. Greenlight Investment Advisors
    Investing appNo clients reportedNo individual advisors
    84.5
    Strong
  13. Greenportfolio
    Hybrid platformNo clients reported1 advisor
    88.4
    Strong
  14. Harness Wealth
    Investing appNo clients reportedNo individual advisors
    85.6
    Strong
  15. Hyve
    Investing appNo clients reportedNo individual advisors
    82.7
    Strong
  16. Income Discovery
    Investing appNo clients reportedNo individual advisors
    84.5
    Strong
  17. Interest Financial
    Hybrid platformNo clients reported1 advisor
    87.5
    Strong
  18. Koin Capital
    Investing appNo clients reportedNo individual advisors
    86.3
    Strong
  19. Li Enterprises
    Investing appNo clients reportedNo individual advisors
    84.7
    Strong
  20. Libretto
    Investing appNo clients reportedNo individual advisors
    86.7
    Strong
  21. Money Pickle
    Hybrid platformNo clients reported1 advisor
    84.9
    Strong
  22. Moola Copilot
    Investing appNo clients reportedNo individual advisors
    90.7
    Strong
  23. Mpfa
    Investing appNo clients reportedNo individual advisors
    84.3
    Strong
  24. Naseeb
    Investing appNo clients reportedNo individual advisors
    89.1
    Strong
  25. Nuts2Invest.Com
    Hybrid platformNo clients reported1 advisor
    80.6
    Strong
  26. Oneup
    Investing appNo clients reportedNo individual advisors
    85.4
    Strong
  27. Option Research & Technology Services
    Hybrid platformNo clients reported1 advisor
    81.3
    Strong
  28. Plan Confidence
    Hybrid platformNo clients reported1 advisor
    84.3
    Strong
  29. Plootus
    Investing appNo clients reportedNo individual advisors
    81.1
    Strong
  30. Quantitative Finance
    Investing appNo clients reportedNo individual advisors
    84.8
    Strong
  31. Rj20
    Hybrid platformNo clients reported1 advisor
    89.1
    Strong
  32. Robo Advisor
    Hybrid platformNo clients reported1 advisor
    61.0
    Fair
  33. Silo Financial
    Hybrid platformNo clients reported2 advisors
    83.2
    Strong
  34. Smartasset
    Investing appNo clients reportedNo individual advisors
    85.2
    Strong
  35. Sootchy Securities
    Hybrid platformNo clients reported1 advisor
    84.9
    Strong
  36. Springbox Ai
    Investing appNo clients reportedNo individual advisors
    85.3
    Strong
  37. Step Advisers
    Investing appNo clients reportedNo individual advisors
    82.2
    Strong
  38. The Ensemble Team
    Hybrid platformNo clients reported3 advisors
    92.3
    Strong
  39. Unbiased
    Investing appNo clients reportedNo individual advisors
    86.3
    Strong
  40. Upturn
    Investing appNo clients reportedNo individual advisors
    83.2
    Strong
  41. Vector Technologies
    Investing appNo clients reportedNo individual advisors
    84.1
    Strong
  42. Vested Finance
    Hybrid platformNo clients reported1 advisor
    63.9
    Fair
  43. Wealthramp
    Hybrid platformNo clients reported2 advisors
    88.1
    Strong
  44. Willow Partner Advisors
    Hybrid platformNo clients reported1 advisor
    86.3
    Strong
  45. Wiseradvisor Paladin
    Investing appNo clients reportedNo individual advisors
    87.2
    Strong

How we rank firms

Fidelon ranks financial advisory firms using publicly available regulatory data from the SEC and FINRA — not paid placements, advertising, or referral fees. No advisor or firm can pay to influence their ranking.

Every firm's score is built from four areas: how clearly they disclose their services and fees, whether they have customer complaints or regulatory issues, how thoroughly they file required documents, and whether their business model creates conflicts with your interests.

Firms that earn commissions on product sales score lower on conflict of interest, because that pay structure can create a gap between what's good for them and what's good for you.

What we don't do

  • We don't accept payment from advisors or firms for better rankings
  • We don't sell leads or route your information to advisors
  • We don't rank by assets under management — managing more money doesn't mean better service

Data sources: SEC Form ADV (Parts 1, 2, 3), FINRA BrokerCheck, IAPD. Scores are updated as new filings are processed.