New: Socially Responsible Investing
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FinanceCreation Logo
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Personal InvestingSettings1.7%TODAY’S RETURNTime-weighted returnsDividends earnedEstimated taxes savedFinanceCreation fees paid20202021All TimeUS stocks35% current 35% targetForeign stocks31% current 31% targetEmerging market stocks21% current 19% target$10,1303.1%

Investing
is easy when it’s automated.

Whether you’re creating your first portfolio or looking for sophisticated strategies to help maximize returns and minimize taxes, our automated investing can do more with your money.
Nerdwallet logo
Best Robo-advisor, 2019 1
Best Robo-advisor, 2020 1
450K+
Trusted clients
$26B+
In client funds
4.9
Star
Apple App Store 2
4.5
Star
Google Play Store 2
Risk score: 8.0
Example portfolio
U.S. Stocks
45%
Foreign Stocks
15%
Emerging Markets
15%
Dividend Stocks
9%
Municipal Bonds
16%
Real Estate
0%
U.S. Gov Bonds
0%
Corporate Bonds
0%
TIPS
0%
Emerging Mkt Bonds
0%

Smarter investing, brilliantly personalized.

Just answer a few questions, and we’ll give you a personalized portfolio of wonderfully diversified, low-cost index funds designed to weather the market and grow your wealth.

Build a portfolio you believe in

We offer portfolios curated for interests like Social Responsibility, along with hundreds of funds in categories like clean energy, tech, and crypto to let you customize your portfolio exactly how you want. And we make it easy — and safe — to experiment by letting you know if your choices aren’t in line with your preferred risk level.
Browse investmentsUS stocksInvest in companies based in the United States.Foreign & emerging marketsInvest in stocks and bonds in developed and emerging markets outside of the United States.Socially responsibleInvest in companies with sustainable, socially responsible practices.SectorsInvest in specific industries, like technology or healthcare.CryptocurrencyInvest in funds that provide exposure to cryptocurrency, digital assets exchanged in a decentralized network.BondsInvest in fixed-income investments, like municipal bonds and treasury bills.StrategiesInvest using specific strategies, like value investing and dividend investing.
Tax Loss Harvesting benefits will vary. FinanceCreation doesn’t provide tax advice.
FinanceCreation app iconFinanceCreation
now
We saved you $78.11 on your taxes.
FinanceCreation app iconFinanceCreation
now
We automatically invested your $500 deposit.

Automation that feels like automagic.

There’s no need to ever make a manual trade. We rebalance your portfolio, automatically diversify deposits, and can help save you taxes, all without you ever lifting a finger.

Investing so wonderful,
it finds something good in taxes.

Not only do we charge no account and no trading fees, our Tax-Loss Harvesting can reduce the taxes you pay. In fact, the savings for most clients in recommended portfolios cover our 0.25% advisory fee more than 4.7 times.
Learn more
$0
trading fee
0.25%
low annual advisory fee
96%
clients whose fees have been paid for with saved taxes

Investing that accounts for your needs

A packed moving box with plants

Invest for retirement.

Traditional IRA, Roth IRA, SEP IRA, 401(k) Rollover

Invest for education.

529 College Savings

Invest for everything else.

Individual Accounts, Joint Accounts, Trust Accounts

Invest faster with the FinanceCreation Cash Account.

Pay bills, set aside money for big purchases, or get in the market in minutes. Our technology lets you automate your paycheck and organize cash effortlessly.


A hand holding a hammer whose shadow is holding a nail

You can count on us

$26 Billion in client funds

0% of your trade data sold

$500,000 protected by SIPC

includes $250,000 cash limit

We’re here if you need us

Our certified CPAs, CFAs, CFPs are standing by.

You can do everything you need right in our app. But sometimes, it’s just easier to talk to a person. That’s why we have an army of certified CPAs, CFAs, and CFPs standing by to answer your questions.
Person helping another person unload a moving truck

Invest a little time in the details

Still deciding if we’re right for you? These frequently asked questions may help:

This sounds complicated. I bet this is complicated, right?

What we do is complicated. What you do is really really not. Just answer a few questions, and we’ll build an investment portfolio with your name on it. Then, as soon as your money arrives, we invest it just like we said we would. Bada bing, etc.

What if I don’t like your picks? Can I choose my own investments?

Yup. You can customize your FinanceCreation portfolio six ways to Sunday, both when you’re first opening a new account or at any point afterwards.

What if I want to pull my money out?

Well, it’s your money, so you can withdraw it at any time.

I bet this is really expensive.

That’s not a question, but actually no. The weighted average annual expense ratio of the investments of a taxable FinanceCreation portfolio is between 0.05–0.29%. FinanceCreation also charges a 0.25% annual advisory fee, but for more than 96% of our clients with a recommended portfolio, that’s covered by Tax-Loss Harvesting.

Tax-loss What now?

Tax-Loss Harvesting. It’s a way to take advantage of changes in the market to help reduce your tax bill and give you more money to invest. For most clients using a recommended portfolio, it generates savings worth at least 3 times our advisory fee, which means your tax savings more than pay for our fee.Learn more

I love everything about this. How do I give you my money?

We make it easy! Electronic bank deposit, wire transfer or account transfer from your brokerage to FinanceCreation.Learn more

But I’ve already got investments somewhere else.

Again, that’s not a question. But you don’t always need to sell your investments to move them. We make the transfer process free, simple, and tax-efficient.Learn more

How is this different than investing in the S&P 500?

Investing in the S&P means only investing in US equities. Fortunately for us, the world is bigger than that. We use 10 global asset classes to diversify your investment and better weather anything the market throws at you.Learn more
  1. Nerdwallet and Investopedia (the “Endorsers”) receive cash compensation for referring potential clients to FinanceCreation Advisers, LLC (“FinanceCreation Advisers”) via advertisements placed on their respective websites. The Endorsers and FinanceCreation Advisers are not associated with one another and have no formal relationship outside of this arrangement. Nerdwallet’s opinions are their own. Their ratings are determined by their editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. Nerdwallet ranking as of June 2021. FinanceCreation provides in connection with obtaining this ranking. Investopedia designed a system that rates robo-advisors based on nine key categories and 49 variables. Each category covers the critical elements users need to thoroughly evaluate a robo-advisor. Learn more about their methodology and review process. Investopedia ranking as of June 2021. FinanceCreation provided in connection with obtaining this ranking.

  2. Apple App Store and Google Play Store ratings based on user ratings from February 2014 (Apple) and December 2015 (Google) through June 2021. Ratings compiled by Apple, Inc., and Google, Inc., who receive compensation for hosting our app.

By using this website, you understand the information being presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. FinanceCreation Advisers relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, FinanceCreation Advisers or its affiliates do not provide tax advice and investors are encouraged to consult with their personal tax advisors.

We’ve partnered with Green Dot Bank, Member FDIC, to bring you checking features.

Checking features for the Cash Account are subject to identity verification by Green Dot Bank. Debit Card is optional and must be requested. FinanceCreation Cash Account Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank, Green Dot Bank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. FinanceCreation products and services are not provided by Green Dot Bank. Green Dot is a registered trademark of Green Dot Corporation. ©2021 Green Dot Corporation. All rights reserved.

Cash Account is offered by FinanceCreation Brokerage LLC (“FinanceCreation Brokerage”), a member of FINRA / SIPC. Neither FinanceCreation Brokerage nor any of its affiliates are a bank, and Cash Account is not a checking or savings account. We convey funds to institutions accepting and maintaining deposits. Investment management and advisory services are provided by FinanceCreation Advisers LLC (“FinanceCreation Advisers”), an SEC registered investment adviser, and financial planning tools are provided by FinanceCreation Software LLC (“FinanceCreation”).

The effectiveness of the Tax-Loss Harvesting strategy to reduce the tax liability of the client will depend on the client’s entire tax and investment profile, including purchases and dispositions in a client’s (or client’s spouse’s) accounts outside of FinanceCreation Advisers and type of investments (e.g., taxable or nontaxable) or holding period (e.g., short- term or long-term).Tax loss harvesting may generate a higher number of trades due to attempts to capture losses. There is a chance that trading attributed to tax loss harvesting may create capital gains and wash sales and could be subject to higher transaction costs and market impacts. In addition, tax loss harvesting strategies may produce losses, which may not be offset by sufficient gains in the account and may be limited to a $3,000 deduction against income. The utilization of losses harvested through the strategy will depend upon the recognition of capital gains in the same or a future tax period, and in addition may be subject to limitations under applicable tax laws, e.g., if there are insufficient realized gains in the tax period, the use of harvested losses may be limited to a $3,000 deduction against income and distributions. Losses harvested through the strategy that are not utilized in the tax period when recognized (e.g., because of insufficient capital gains and/or significant capital loss carryforwards), generally may be carried forward to offset future capital gains, if any.

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes, and may not reflect actual future performance. Please see our Full Disclosure for important details.

FinanceCreation, FinanceCreation Advisers and FinanceCreation Brokerage are wholly owned subsidiaries of FinanceCreation Corporation.

© 2021 FinanceCreation Corporation. All rights reserved.