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Ally Invest Wealth Management connects you with a fiduciary wealth advisor who provides personalized guidance for your full financial picture. With one-on-one attention, your advisor expertly creates an investment approach to match your unique goals, timeline, risk tolerance, and market preferences. You'll receive advice for all your assets and liabilities, including ones we don't manage (such as your 401(k), bank accounts, or mortgage loans).
Set up a consultation to find out.
If you have $100,000 in investable assets (at Ally or other financial institutions), already bank or invest with us, and are enrolled in online services, log in and select Get Started to set up time to talk with an advisor.
Investable assets include cash, stocks, mutual funds, and retirement accounts like IRA accounts and old employer 401(k)s. They don't include your home, cars, life insurance policies, or current employer's 401(k).
Wealth Management provides holistic financial planning, investment management, financial coaching, and ongoing support.
Our wealth advisors provide a whole suite of customized solutions for whatever your financial goals may be – everything from building savings, to sending someone to college or planning a wedding, to buying a home, retirement planning, and everything in between.
- A dedicated senior wealth advisor and exclusive support from our wealth concierge team
- Suggestions for optimizing your assets, both inside and outside of Ally
- Market event insights and a look at the potential impact to your portfolio
- Annual checkups
- An open line of communication with your advisor
- Quarterly webcasts about the market and projected impacts
After your initial consultation, you'll work with your advisor to set goals and look at portfolio approaches catered to your specific needs, timeline, risk tolerance, and market preferences. The advisor will then create an investment proposal and review it with you. If you want to move forward, your advisor will open an account for you.
We require a $100,000 minimum in assets under care to open an account. Assets under care are investments and money that will be held in your Wealth Management accounts and managed by us.
We require a minimum of $100,000 in investable assets to work with one of our wealth advisors.
Investable assets include cash, stock, mutual funds, and retirement accounts like IRAs and old employer 401(k)s. They don’t include your home, cars, life insurance policies, or current employer’s 401(k).
We charge a blended annual advisory fee of 0.75-0.85%, which we calculate based on the daily total value of your Wealth Management accounts. Our rate is tiered, meaning we charge you separate rates depending on your portfolio's asset level. Also, the fee is blended. This means once the rates are applied for each tier, we add together the separate calculated fees to arrive at one blended amount that we automatically charge you at the end of the month.
Keep in mind, we don't charge advisory fees on Self-Directed accounts or Cash-Enhanced Robo Portfolios. We only apply the blended advisory fee to your Wealth Management accounts.
Here's a look at our tiered rate amounts:
|Assets Under Care (required minimum of $100,000)||Annual advisory rate|
|Each dollar above $250,000, up to $1,000,000||0.80%|
|Each dollar above $1,000,000||0.75%|
Your wealth advisor walks you through this, and provides further details if necessary.
We offer the following Wealth Management account types:
- Traditional IRA
- Roth IRA
- Rollover IRA
- Beneficiary Roth IRA
- Beneficiary IRA
Your money is yours – we don't lock you into holding funds in your Wealth Management account for any set amount of time. We may, however, recommend talking to your advisor before initiating any large transfers from your account.
Keep in mind, you'll need to call us to withdraw more than 20% of any single Wealth Management account's value. It can take up to 5 business days to receive funds after a withdrawal.
Assets under care are funds in your Wealth Management 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 you've linked to track from financial institutions outside of Ally.
If your goals change, contact your wealth advisor and set up an appointment for help making the necessary adjustments, ensuring your plan aligns with your new goals.
Log in and head to your Wealth Overview. From there, select Add Accounts and choose the financial institution holding the account, then enter the account details to add the value to your net worth calculation.
We automatically include Ally Invest and Ally Bank accounts you hold in your net worth. You'll need to link any additional accounts, including Ally Home, Ally Auto, and Ally Lending. Your wealth advisor is happy to help you aggregate accounts, if necessary. Instructions are also available online.
Yes. Contact your wealth advisor, who'll manually add the value of your real estate assets to your net worth calculation.
Yes. If your securities aren't compatible with your chosen portfolio type and management style, we'll sell them and invest the proceeds. We recommend consulting a tax professional before transferring any securities into your account.
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.
Your advisor will work with you to create a portfolio strategy and approach that reflects your unique needs and interests.
From there, our portfolio construction team selects holdings for your accounts. Your holdings can include low-cost exchange-traded funds (ETFs) that may hold hundreds if not thousands of individual stock and bond positions. Depending on your needs, those holdings may include separately managed accounts (SMAs) for an additional fee.
All of our advisors are fiduciaries, meaning they're required to act in your best interest.
They each have more than 5 years of advisory experience and hold Series 65 (or 7 and 66) licenses. Some also hold credentials as a certified financial planner (CFP), chartered financial consultant (ChFC), or similar designation, and if they don't currently have those credentials, we provide the support needed to get them.
We pay our advisors an annual base salary. We also offer advisors incentive bonuses based on client satisfaction and assets gathered.
You'll exclusively work with your advisor remotely. This location independence provides you with access to the investment advisor that's the best match for you, regardless of office location.
Your advisor provides his or her contact information, so help is just a call or email away, as is dedicated support to help with any account-specific questions you may have.
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.