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SEC-registered AI financial advisors

12 of the 18 apps we track are backed by an SEC-registered investment adviser. We checked every CRD number on adviserinfo.sec.gov. Registration doesn't imply skill or endorsement, but it does mean fiduciary duties and public Form ADV disclosures.

Verified 2026-10-26. Picks are editorial opinion, and facts link to their sources on each app's page. Picks are not based on payouts.

We may earn a commission if you sign up through our links. It never changes our data or picks. Disclosure

Backed by an SEC-registered adviser

Click a CRD badge to open the SEC record.

  1. Albert $19.99/mo

    SEC-registered · CRD 298006

    A lot in one app, but $20–$40 a month is pricey next to focused tools. Do the math on what you'd actually use.

    Try Albert

  2. Astor Free plan

    SEC-registered · CRD 338424

    A clever text-first adviser at a low flat price. It's very new (SEC registration approved Feb 2026), so check current pricing before you pay.

    Try Astor

  3. Betterment $5/mo or 0.25%/yr

    SEC-registered · CRD 149117

    A mature, trustworthy robo-advisor. Set up a recurring deposit to avoid the $5/mo fee, and pay for Premium only if you'll use the advisors.

    Try Betterment

  4. Empower Free dashboard

    SEC-registered · CRD 112058

    The free dashboard is excellent. The managed service at 0.89% costs more than most flat-fee AI options here.

    Try Empower

  5. Evergreen.ai Free plan

    SEC-registered · CRD 326535

    Hard to beat on price while the free beta lasts. It's planning-focused, with paid human advice as the upsell. Expect beta rough edges.

    Try Evergreen.ai

  6. Magnifi Free plan

    SEC-registered · CRD 309397

    Good value for investors who like digging into funds and scenarios. Doesn't do budgeting.

    Try Magnifi

  7. Mezzi Free plan

    SEC-registered · CRD 337818

    A strong pick if you want AI tax and retirement advice without an AUM fee. The free tier is a useful portfolio X-ray, but the real advice is behind Advisory.

    Try Mezzi

  8. Origin $8.25/mo

    SEC-registered · CRD 305353

    The broadest all-in-one here: budgeting, investing and an AI advisor for one flat membership. Good value if you'll use three or more features. Overkill if you only want a budget.

    Try Origin

  9. PortfolioPilot Free plan

    SEC-registered · CRD 327520

    Serious analysis for serious portfolios, and unusually open about how it makes money. The upper tiers are priced for large, complex holdings.

    Try PortfolioPilot

  10. Public (Alpha AI) Free (Alpha)

    SEC-registered · CRD 318234

    Alpha is a useful free research co-pilot inside a brokerage. Public says it isn't advice, and we couldn't verify Premium pricing.

    Try Public (Alpha AI)

  11. Range $3,950/yr

    SEC-registered · CRD 321969

    A real advisory firm with AI on top and flat fees instead of a percentage of assets. Expensive in dollars, but it can be cheap next to 1% AUM on a big portfolio.

    Try Range

  12. Wealthfront 0.25%/yr

    SEC-registered · CRD 148456

    Still one of the simplest ways to hand off investing. It's algorithmic automation more than chat AI, with a low 0.25% fee.

    Try Wealthfront
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