For those seeking an elite automated financial solution, Wealth🍌front is our top pick. It boasts a comprehensive suite of investment management products, robust goal-setting and planning tools, and daily tax-loss harvesting to help users more easily reach their financial goals. Overall, the platform's high-quality digital features and competitive fees makes Wealthfront one of the strongest robo-advisors available.

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Betterment is best for beginners thanks to its incredibly user-friendly experience and no minimum deposit requirement. The platform seamlessly integrates education resources to help inform user strategy, and the straightforward registration a𝕴nd funding processes make it easy for investors of all experience levels to get starteღd. It also continues to expand its offerings beyond traditional investing and tax-loss harvesting.

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M1 Finance doesn’t charge fees for trading or account management, which makes it our low-cost winner. This robo♉-advisor is well-suited for individual investors looking to put their dollars toward more investments rather than maintenance. Despite its low costs, M1 offers a variety of portfolio customization options and investment vehic⛦les to choose from, giving you more  control over your portfolio.

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The E*TRADE Core Portfolio app is slick and offers access to all the portfolio management features right through your smartphone, which makes it the best robo-advisor for those who want portfolio management right a🎀t their fingertips at any time. The E*TRADE mobile app is designed to showcas🔜e fewer questionnaires, timeline and goal setting prompts to keep focus on the investments. Sign-up is easy, too.

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Wealthfront is also our winner for Best for Goal Planning thanks to numerous goꦍal-setting options, free digita💞l planning tools, and progress trackers which can be easily adapted to meet your individual financial needs. The Path and Self-Driving Money tool in particular helps users evaluate the tradeoffs of several goals and automatically fund those goals with extra cash for a low cost of 0.25%.

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With more than 50 portfolio strategies to choose from, Interactive Advisors wins our best portfolio construction award. This robo-advisor offers a wide array of investment vehicles, including fractional shares, stocks, ETFs, REITS, and mutual f🍌unds, which means it’s well-suited for investors who use multiple portfolio strategies.

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Personal Capital takes the top spot for best portfolio management thanks to its elevated tax features and a hybrid approach to robo-portfolio management for high net-worth in🍰vestors. Most notably, the platform considers different account statuses when moving assets and making withdrawals alongside more traditional tax-loss harvesting. Human advisors are also available to offer guidance on Personal Capital’s many portfolio customization options.

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Betterment is also our winner for best robo-advisor for cash management thanks to the integration of its check account and cash reserve products. The Betterment Checking and Cash Reserve accounts are FDIC-insured and give investor✨s transaction options similar to what they would get at a more traditional bank. The smooth integration makes Betterment a good option for those looking to manage their money more holistically, beyond their investment portfolio.

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The millions of new traders who recently entered the market can benefit greatly from the deep library of videos, articles, tools, and goal setting resources that Merril Guided Investing offers. This robo-advisor’s educational catalog can be tailored to your experience and investing goals, too, so it's great for anyone who wants to learn more. Whether you’re pla🎃nning for retirement, saving for♛ a house, or interested in a new portfolio strategy, this platform can give you a boost.

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While more investors are looking for more ESG and s💎ustainable investing options, Interactive Advisors gives investors ways to build anܫd easily manage a portfolio that is aligned with their values. Sustainable funds, pre-built portfolios, and screening tools help users invest through a socially conscious lens and put this robo-advisor a step above the rapidly growing competitive field.

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In addition to low costs, there are more than 80 different▨ pre-built portfolios to choose from on M1 Finance along with a large number of customization options. This robo-advisor is a first-class option for sophisticated investors who want lots of portfolio control and flexibility, which are must-haves for seasoned investors.

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