Stash Investments LLC offers digital investment advisory services, including a subscription-based wrap fee program called the Stash Subscription and financial counseling. Stash helps clients build financial habits, save money, and invest through web-based tools and an app. The firm provides both impersonal educational resources and personalized investment advice, including discretionary managed accounts and managed retirement portfolios within individual retirement accounts. Stash uses artificial intelligence tools, such as the Stash Money Coach, to assist clients with educational materials and guidance. Additionally, Stash offers an optional advisory service called Stash Advisor Connect, which gives eligible clients access to live financial professionals for scheduled virtual meetings and personalized guidance. Stash manages portfolios primarily using exchange-traded funds and individual stocks based on client risk profiles, which include conservative, moderate, and aggressive investment strategies. Stash does not charge performance-based fees and relies on a flat subscription model combined with asset-based fees for certain managed accounts.
Fee Structure
Stash Investments LLC charges a fixed subscription fee of $12 per month for its program. For taxable discretionary managed accounts with balances of $1,000 or more, an asset-based fee applies. Managed retirement portfolios are also subject to an asset-based fee. Specific percentage rates for the asset-based fee are detailed in the wrap fee program brochure.