Personal Advice FAQs

Accounts managed by Ally Invest Advisors Inc. are offered through our affiliate broker dealer, Ally Invest Securities LLC.

Ally Invest Securities LLC clears and settles trades through Apex Clearing Corporation, an unaffiliated clearing company. Ally Invest Advisors Inc. is an SEC-registered investment adviser. Both Ally Invest Securities and Apex Clearing are members of FINRA and SIPC.

Expense ratios show how much an exchange-traded fund (ETF) is charging for its own internal advisory, brokerage, fees, and other expenses. Not covered by the annual advisory fee, these charges are deducted from the ETF’s net asset value, and are standard expenses all ETF shareholders pay.

Expense ratios vary by ETF. However, the expense ratios of the ETFs used in the socially-responsible Impact, Thematic, and Foundational Income portfolios are materially higher than those included in other portfolios, and in some cases, more than double. As a result, these portfolios may have a lower net return compared to our other Personal Advice portfolios.

If your goals change, contact your dedicated advisor and set up an appointment for help making the necessary adjustments, ensuring your plan aligns with your new goals.

Our advisors vary their investment strategies based on your personal goals. However, the main investment strategies our advisors incorporate include:

Foundational: Globally-diversified portfolios designed to help clients meet both short- and long-term financial goals, with an option to focus on yield and income.

Impact: For clients aiming to pursue their financial goals through investments aligning with their beliefs and values. These portfolios are built with a focus of addressing environmental, social, and governance (ESG) concerns through a combination of scoring metrics and analysis of the direct impacts that the underlying holdings aim to achieve.

Thematic: For clients who want to tailor their investments with a focus on an emerging theme, industry, or market trend.

Assets under care are funds in your Personal Advice portfolio invested with us or transferred from other financial institutions. We manage these funds directly. They don't include Robo Portfolios, Self-Directed accounts, or assets and accounts from financial institutions outside of Ally you've linked to.