CleverAlpha builds and manages diversified ETF portfolios using rules-based, diversified investment methodology — for a fraction of what traditional advisors charge.
Every decision we make — from fee structure to portfolio construction — flows from these principles.
Rules-based portfolio construction grounded in decades of academic research. No gut calls. No market timing. Just consistent, disciplined execution.
25 basis points (0.25%) per year for our standard Digital Service (or up to 0.50%/yr for opt-in Multi-Account Asset Location). No trading commissions, no account-opening minimum, and a flat $1/month fee for accounts up to $5,000.
As a digital investment manager operating under the SEC's digital client interface exemption, we open accounts in all 50 states for retail and high-net-worth investors — and act in your best interest, always.
CleverAlpha Asset Management, LLC (CRD #301620). Review our Form ADV and Form CRS.
From your first deposit to long-term wealth building — here's exactly what happens.
Start a brokerage, IRA, Rollover, UGMA, etc. in minutes. Its quick and simple - done all digitally.
Tell us your time horizon, risk tolerance, and financial goals. Our algorithm translates your inputs into a rules-based asset allocation aligned with your stated risk tolerance and investment objective.
CleverAlpha constructs a diversified ETF portfolio designed for your goals and begins managing it automatically — including rebalancing.
Nightly algorithmic portfolio reviews, on-demand account-by-account AI analysis, and deliberate rebalancing designed to keep your portfolio aligned with your selected strategy.
Compare what you pay a traditional advisor versus CleverAlpha's flat 25 bps management fee.
Most financial advisors charge 1% or more annually — a fee that compounds silently against your wealth. On a $500K portfolio, that's $5,000 per year before you earn a single dollar of return.
CleverAlpha charges 0.25% per year for Digital Service above $5,000 ($1/mo up to $5,000; up to 0.50%/yr for opt-in Premium Asset Location). No trading commissions or custody fees. The difference stays in your account and compounds for you.ETF expense ratios and any applicable third-party charges are separate.
Over a 20-year horizon, lower fees can materially affect long-term account value. Fee savings compound alongside returns and can meaningfully grow your final portfolio balance.
Note: manager alpha may increase or decrease net returns and may partially or fully offset management costs and fees. Past performance is not indicative of future results. Conduct your own due diligence before investing.
Illustrative fee comparison only. Assumes the portfolio value, time horizon, and advisory-fee inputs shown. Excludes ETF expense ratios, taxes, trading spreads, cash drag, and differences in investment performance. "Traditional advisor" fee of 1.00% is a general market reference; individual adviser fees vary. Actual costs and savings will vary.
Automated investing without the overhead — institutional strategy delivered through software.
A digital investment manager uses deliberate, rules-based software to build and manage ETF portfolios around your goals, risk tolerance, and time horizon. The technology removes guesswork, dramatically reduces costs, and keeps your portfolio methodically aligned with your objectives.
CleverAlpha combines institutional discipline with modern software — opening accounts in all 50 states for both retail and high-net-worth investors at a fraction of traditional fees.
| Feature | Traditional | CleverAlpha |
|---|---|---|
| Annual Fee | 0.75–2.0% | 0.25% |
| Online Access | Business hours | 24/7 |
| Tax-Loss Harvesting | Sometimes | When it makes sense |
| Minimum Investment | $100K+ | $0 |
| Fiduciary Standard | Varies | Always |
Comparison is generalized and may not reflect every adviser or service model. Traditional advisers may provide services CleverAlpha does not provide, and fees, minimums, tax features, and service levels vary by firm and client agreement.
Our allocation engine is fully rules-based — no fund manager hunches, no gut calls. Two inputs: your time horizon and risk tolerance. Output: a diversified ETF portfolio spanning up to 35 investment class categories across equities, fixed income, real estate, commodities, and cash.
Try the live model and watch the algorithm animate through every year of your investment horizon, rebuilding your allocation in real time.
Try the Allocation ModelOur portfolios are built on established academic frameworks including modern portfolio theory, diversification principles, factor research, and efficient-market concepts. We don't guess. We implement what the data shows works.
References to academic research do not imply endorsement by any researcher or institution and do not guarantee results.
Our proprietary algorithm reviews portfolios nightly after market close and executes rebalancing deliberately when drift crosses set thresholds. Routine portfolio workflows are automated with clear rules, human oversight, and operational controls.
You always know what you own, what you pay, and why every position is in your portfolio. No black boxes. No proprietary products. No conflicts of interest.
Exploring CleverAlpha? Our AI Concierge guides visitors through our platform, planning tools, and public filings — clearly and on your schedule.
AI never monitors or trades client portfolios. Every CleverAlpha account is managed by a deliberate, rules-based algorithm that reviews portfolios nightly — paired with an on-demand, account-by-account AI analysis tool for clients.
CleverAlpha was founded on a simple conviction: CleverAlpha builds diversified ETF portfolios using rules-based allocation, periodic rebalancing, tax-aware account placement when applicable, and documented investment methodology — and these tools should be available to everyone at a price that actually makes sense.
We combine technology and academic research to deliver automated asset management that competes with the traditional advisory industry on both a cost and quality basis.
CleverAlpha Asset Management, LLC (CRD #301620) is a digital investment manager operating under the SEC's digital client interface exemption, with client accounts custodied at Charles Schwab & Co., Inc. (Member FINRA/SIPC). CleverAlpha Securities (DBA of Velocity Capital LLC) operates as a separate broker-dealer.
We believe every investor deserves the same sophisticated, low-cost portfolio management that has historically been reserved for the ultra-wealthy. CleverAlpha was built to close that gap — permanently.
By combining academic research, modern technology, and a fiduciary commitment, we deliver rules-based, diversified investment management at a price that makes sense for everyone.
Built by portfolio managers, engineers, and quantitative researchers united by a single goal: helping retail and high-net-worth investors in all 50 states keep more of what they earn.
Every child born after December 31, 2024 gets a $1,000 government seed investment — tax-advantaged, in their name. (Subject to final Treasury/IRS guidance, eligibility rules, and applicable law.) Contribute up to $5,000/year and watch it compound for decades.
Trump Accounts are enrolled directly via IRS Form 4547 at trumpaccounts.gov — CleverAlpha does not open or custody Trump Accounts. Use our free Gift Finder & Calculator to check eligibility, or pair it with a Schwab-custodied CleverAlpha UGMA/UTMA or Custodial Roth IRA at 0.25%/year.
Explore Trump Account Guide & CalculatorHypothetical illustration only. Assumes a $1,000 federal seed plus $5,000/yr contributions from birth through age 17 ($91,000 total) compounding at 7.0% gross ($2,119,271 at age 55; $173,375 at age 18) vs. 6.75% net of an illustrative 0.25%/yr fee ($1,862,590 at age 55) before taxes. Converts to a Traditional IRA at age 18; actual results will vary. Source: investor.gov
Run the numbers on retirement readiness, rollover decisions, Social Security timing, college savings, and more — right now, no login required.
Monitor performance, review your daily AI insights, run our planning tools, and manage your account from anywhere. Available on iOS and Android.
Open your account in minutes. No account minimum. No paperwork. Just smarter investing.Accounts below $5,000 are subject to a $1/month minimum advisory fee.
