Ally Invest Advisors is a registered investment advisor based in Charlotte, North Carolina, operating as a subsidiary of Ally Financial. The firm provides discretionary portfolio management services through a few primary channels: automated online portfolios (including cash-enhanced and market-focused options) and personalized advisory services delivered in partnership with financial advisors. Portfolios are constructed using exchange-traded funds to match each client's risk tolerance, time horizon, and goals. The firm utilizes modern portfolio theory for asset allocation and offers optional features such as tax-sensitive allocations and tax-loss harvesting for eligible personal advice accounts. Ally Invest Advisors does not provide standalone financial planning services as a separate product; instead, its focus is entirely on portfolio management and investment advisory services across different tiers of account minimums and fee structures.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 0.85% |
| $250K - $1.0M | 0.80% |
| $1M+ | 0.75% |
Rates apply to the Personal Advice service. Other programs include Market-Focused Robo Portfolios at a flat 0.30% and Guided Advice at a flat 0.50%. Cash-Enhanced Robo Portfolios have no advisory fee.