The Best Robo-Advisor AlternativeNo AUM Fees. Individual Stocks. Real ML.
Tired of paying 0.25% on a growing portfolio? ACIS charges no fees, picks individual stocks with ML, and works with your existing brokerage. Stop overpaying for basic ETF rebalancing.
How Much Will You Save?
Robo-advisors charge 0.25% of your assets. As your portfolio grows, so do your fees. ACIS Growth plan is Free flat.
| Portfolio Size | Robo-Advisor Fee | ACIS Fee | Annual Savings |
|---|---|---|---|
| $100,000 | $250/year | $588/year | -$338(Robo cheaper at low AUM) |
| $250,000 | $625/year | $588/year | $37(Break-even point) |
| $500,000 | $1,250/year | $588/year | $662(Real savings begin) |
| $1,000,000 | $2,500/year | $588/year | $1,912(Significant savings) |
| $2,000,000 | $5,000/year | $588/year | $4,412(Massive savings) |
* Based on ACIS Growth plan ($49/mo) vs. 0.25% robo-advisor fee. Premium plan ($99/mo) still saves money at $400K+.
Why Switch from Your Robo-Advisor?
It's not just about saving money. ACIS offers capabilities robo-advisors can't match.
Stop Paying AUM Fees
Why pay more as your portfolio grows? Flat monthly pricing means your success doesn't cost you more.
Get Individual Stocks
ETFs are diversified but generic. Our ML picks the best individual stocks for each strategy.
Real Machine Learning
Not just a risk questionnaire and asset allocation. Actual ML models scoring 3,000+ stocks daily.
8 Distinct Strategies
From dividend income to aggressive growth. Choose strategies that match your actual goals.
Keep Your Brokerage
No need to transfer accounts. Execute trades wherever you already have money.
Surgical Rebalancing
1-3 changes per day, not quarterly wholesale rebuilds. Lower turnover, better tax efficiency.
ACIS vs. Robo-Advisors: Full Comparison
See how we stack up against Betterment, Wealthfront, and Schwab Intelligent Portfolios.
| Feature | ACIS | Betterment | Wealthfront | Schwab |
|---|---|---|---|---|
| Management Fee | Flat $19-99/month | 0.25% of assets/year | 0.25% of assets/year | 0% (but limited options) |
| Cost on $100K | $228-1,188/year | $250/year | $250/year | $0 |
| Cost on $500K | $228-1,188/year | $1,250/year | $1,250/year | $0 |
| Cost on $1M | $228-1,188/year | $2,500/year | $2,500/year | $0 |
| Investment Type | Individual Stocks | ETFs Only | ETFs Only | ETFs Only |
| ML Stock Selection | ||||
| Number of Strategies | 8 strategies | 1 (with risk slider) | 1 (with risk slider) | Limited |
| Use Any Brokerage | ||||
| API Access | ||||
| Daily ML Scoring |
Who Should Switch to ACIS?
Where flat fees beat percentage fees
Not just diversified ETFs
Who want AI guidance, not full control surrender
No need to transfer money
Build your own tools on top
When to Stay with a Robo-Advisor
To be fair, robo-advisors make sense for some people:
- •Portfolios under $100K (percentage fees are low)
- •Want completely hands-off (no trades to execute)
- •Prefer ETF-only diversification
- •Need tax-loss harvesting automation
Robo-Advisor Alternative FAQ
What's wrong with robo-advisors?
Robo-advisors charge percentage-based fees (0.25-0.50% annually) that grow with your portfolio. They typically only invest in ETFs, offer limited customization, and use basic rebalancing algorithms. As your wealth grows, you pay thousands more for the same service.
How is ACIS different from Betterment or Wealthfront?
ACIS uses machine learning to pick individual stocks (not just ETFs), charges no fees instead of AUM percentages, offers 8 distinct investment strategies, and works with any brokerage. You get more sophisticated analysis at a fraction of the cost.
How much can I save vs a robo-advisor?
With a $500,000 portfolio, a robo-advisor charging 0.25% costs $1,250/year. ACIS costs $588/year for our Growth plan - saving you $662 annually. The savings increase as your portfolio grows since our pricing stays flat.
Do I need to move my money to use ACIS?
No. ACIS works with any brokerage account. You receive stock recommendations and rebalancing alerts, then execute trades at Fidelity, Schwab, Robinhood, or wherever you already have accounts. Your money stays where it is.
Is ACIS good for beginners?
Yes. ACIS tells you exactly what to buy and when to rebalance. You don't need to analyze stocks yourself. Email alerts notify you of changes, and you simply mirror the trades at your brokerage. It's designed to be simple.
Ready to Stop Overpaying?
Try ACIS free for 30 days. Keep your existing accounts. Cancel anytime.