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 per year — period. No trading commissions, no hidden wrap fees, no account-opening minimum. Accounts below $5,000 are subject to a $1/month minimum advisory fee. More of your money stays invested.
As an SEC-registered investment advisor, we are legally required to act in your best interest. Not sometimes. Not when it's convenient. Always.
When providing investment advisory services through CleverAlpha Asset Management, LLC, we act as a fiduciary and are required to act in clients' best interest. Please review our Form ADV for services, fees, and conflicts of interest.
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.
Real-time performance tracking, AI-powered insights, and systematic rebalancing designed to keep your portfolio aligned with your selected strategy and risk tolerance.
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. That's our CleverAlpha advisory fee. No add-ons, no trading costs, no 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 robo-advisor uses software to build and manage investment portfolios based on your goals, risk tolerance, and time horizon. The technology eliminates human bias, dramatically reduces costs, and ensures your portfolio is always aligned with your objectives.
CleverAlpha combines the rigor of a traditional RIA with the efficiency of modern technology — giving you rules-based, diversified investment methodology at a price point previously 'difficult' to do.
| Feature | Traditional | CleverAlpha |
|---|---|---|
| Annual Fee | 0.75–2.0% | 0.25% |
| Availability | Business hours | 24/7 |
| Tax-Loss Harvesting | Sometimes | When it makes sense |
| Minimum Investment | $100K+ | $1 |
| 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 platform monitors daily, recommends rebalances, and seeks to optimize your portfolio to your goals within your tolerances. The platform is designed to automate routine portfolio monitoring and rebalancing workflows, reducing manual steps while remaining subject to human oversight, controls, and operational risk management.
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.
CleverAlpha's AI engine monitors your portfolio daily, delivering actionable insights — not just data.
CleverAlpha's systems are designed to monitor portfolios regularly, identify drift and tax-related opportunities based on configured rules, and provide plain-language explanations for many portfolio actions. Monitoring, alerts, and explanations may be delayed or unavailable during outages, data interruptions, or other operational events.
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 is an SEC-registered investment advisor. CleverAlpha Securities, our broker-dealer, is a member of FINRA and SIPC.
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.
Our team includes investment advisers, engineers, and quantitative researchers united by a single goal: helping you keep more of what you 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.
CleverAlpha makes it simple to open the account, claim the seed, and keep fees low at our standard 0.25%/year. Be first in line when IRS Form 4547 opens in May 2026.
Learn More & Open an AccountHypothetical illustration only. Based on a $1,000 government seed contribution plus $5,000 annual contributions invested over the account holder's childhood in a broad-market ETF, assuming approximately 7% annualized return before advisory fees and taxes. Actual results will vary materially, may be lower, and are not guaranteed. This does not represent any actual client account or prediction of future performance. 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.