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.
We charge a blended annual advisory fee of 0.75-0.85%, which we calculate based on the daily total value of your Personal Advice 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 Personal Advice 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
Each dollar above $1,000,000
Your dedicated advisor will walk you through this and provide more details.
We decided to freshen things up, so Wealth Management is now Personal Advice. Though the name is new, all other features remain the same. Learn more about Personal Advice
Schedule a call to find out.
Make sure you’re a current customer enrolled in online services and have $100,000 in investable assets (at Ally or other financial institutions.) Log in and select Get Started to set up your initial consultation.
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).
Yes. Personal Advice is currently available to customers only.
If you already have an account, log in with your Bank, Invest, Credit Card or Mortgage credentials then schedule a call to get started.
Your money is yours – we don't lock you into holding funds in your Personal Advice 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 Personal Advice account's value. It can take up to five business days to receive funds after a withdrawal.
We offer the following Personal Advice account types:
Beneficiary Roth IRA
No. You'll exclusively work with your dedicated advisor remotely. This location independence provides you with access to the advisor who's the best match for you, regardless of office location.
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.
Personal Advice provides a personalized financial plan and investing strategy from your dedicated advisor.
Our advisors can help you plan for wherever life may take you – anything from buying a home to retirement planning, and everything in between.
A dedicated advisor and exclusive support from our advisor support team
A view of your entire financial picture and a plan for wherever life takes you
Goal-focused guidance for all your assets – even ones we don’t manage
A personalized financial plan
On-demand advice as needed
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.
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.
After your initial consultation, you'll work with your dedicated advisor to set goals and look at portfolio strategies catered to your specific needs. From those conversations, they’ll create your personalized financial plan and review it with you. If you decide to move forward, your advisor will then open your account.
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 Personal Advice portfolio and managed by us.
Ally Invest Personal Advice connects you with a dedicated advisor who provides a view of your entire financial picture – and a plan for wherever life takes you. We’ll look for hidden opportunities in your finances and be a second set of eyes on any changeups down the road. 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). Learn more about Personal Advice
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.