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M1 Finance

Schwab Intelligent  Portfolios


Betterment Review

M1 Finance Review

Schwab Intelligent Portfolios Review

Direct Site Access

Betterment Website

M1 Finance Website



A goals based automated investment advisor. Betterment bills itself as, "Investing Made Better." Offers a variety of hman financial planning options.

Free robo-advisor where you can customize your investments. Choose from 1000s of investments.

Free automated investment service. Schwab Intelligent Portfolios builds your investment portfolio, monitors it and regularly rebalances.

Minimum Investment Amount

No minimum balance required.


$5,000 minimum

Fee Structure

Digital-0.25% AUM up to $2 million. 0.15% for accounts over $2 million.
Premium-0.40% AUM up to $2 million-Includes unlimited access to CFP. 0.30% for accounts over $2 million.
A la carte financial planning sessions from 150 to $500.

Zero account management fees.

Zero account management fees.

Top Features

Goal based investing with opportunity to set up multiple goals. Investment rebalancing. RetirementGuide Calculator for planning. Tax loss harvesting. Betterment Digital clients can text with financial professionals. Betterment Premium clients have access to meetings with financial advisors.
Many diversified stock & bond fund choices.

Choice to use pre-made investment portfolios or to create your own. Includes socially responsible portfolios. M1 Finance manages & rebalances.

After responding to a brief risk questionnaire, you get a diversified investment portfolio in line with your risk profile. Goal-based approach. Portfolio is regularly rebalanced. Tax-loss harvesting is available for accounts valued at more than $50,000.

Free Services

Free investment portfolio review

All services free including; account creation, management, rebalancing & investment trading.

Free investment portfolio construction, management, tax loss harvesting & rebalancing.

Investing Advice

Human & automated investing & financial planning advice available. (see top features)

Not available.

Automated investing and financial planning advice. Branch financial advisors provide additional help.

Contact Information

Phone & Live Chat M-F 9 am-8 pm ET, Sat-Sun 11 am-6 pm ET
Scheduled financial advisor meetings with Betterment Premium. Text contact for all investors.

Email or phone 9-5 M-F CT + on-screen help button

Phone 24/7
365 days/year
Basic information at Schwab branch.

Investment Funds

Vanguard & iShares ETFs. ETFs include multiple market-cap stock ETFs & many bond choices including international.

6,000 stocks or ETFs traded on the NYSE, NASDAQ + BATS exchanges

Low fee stock, bond, real estate & precious metals ETFs, predominantly from Schwab.

Accounts Available

Individual & joint investment accounts. Roth, traditional, SEP & rollover IRAs. Trusts. Betterment for Business manages & administers workplace 401(k) plans.

Individual and joint taxable accounts; traditional, Roth and rollover IRAs; corporate, trust, LLC + partnership business accounts.

Individual & joint investment accounts. Roth, traditional & rollover IRAs. Trusts. 

We hope you enjoyed our Robo-Advisor Selection Wizard. As a free gift for using the wizard, please enjoy our Investment Management Toolkit with retirement planning and a financial management dashboard.