Everything you need to know before you invest.

CleverAlpha Asset Management, LLC is an SEC-registered investment adviser (CRD 301620) — a robo-advisor — that manages your investments using a systematic, rules-based algorithm. We build globally diversified portfolios with the lowest-fee ETFs we can find, monitor your portfolio daily, and systematically rebalance to keep you on target.

An algorithmic investment plan focused on low-cost investments and optimized allocation gives you the best shot at a targeted risk-adjusted return — at a fraction of what traditional advisors charge. CleverAlpha delivers daily AI-driven insights, time-weighted-return analysis, and tax-aware asset location at just 0.25% per year, while most traditional advisors charge 1–2%.

Nope. There is no minimum deposit to open an account. Accounts under $5,000 are simply charged a flat $1/month minimum fee.

Click "Open Account" on app.cleveralpha.com → complete 100% digital onboarding → you can be invested same or next day. No wet signatures, no snail mail.

No. CleverAlpha is not a lender. We perform a standard identification (ID) verification as required by law — that's it.

No. CleverAlpha only operates within the United States. All customers must have a U.S. address, a U.S. Social Security Number, and fund their account from a U.S.-based checking or savings account.

CleverAlpha charges an annual management fee of 25 basis points (0.25%) — just $25 per year per $10,000 invested. Accounts under $5,000 pay a flat $1/month minimum. This fee includes everything: rebalancing, custody, trading, and AI-driven reporting. No hidden fees whatsoever.

Nope. None. Zero. No account opening fees, no account maintenance fees, and no closing fees.

Typical traditional advisors charge 1–2% of AUM — often $1,000–$2,000+ per $100,000 invested. At 0.25%, CleverAlpha charges a fraction of that. Over 10 years, the compounding impact of lower fees can translate to tens of thousands of dollars in additional portfolio value.

ETFs have their own internal expense ratios separate from CleverAlpha's 0.25% advisory fee. We specifically scan the entire ETF universe for the lowest expense ratios we can find in each asset category. Keeping both fees low is core to how we maximize your compounding returns.

We primarily invest in low-fee ETFs — globally diversified across stocks, bonds, real estate, commodities, and optionally bitcoin. We may also utilize low-expense-ratio mutual funds when appropriate.

Absolutely. CleverAlpha lets you dial up or dial down your portfolio's risk/return profile. You set the direction; the algorithm optimizes the execution.

Your portfolio is monitored daily and systematically rebalanced as needed. There is no limit to the number of rebalances — all included in your 0.25% annual fee.

Our AI automatically ranks every holding by tax efficiency and recommends placement across your accounts: tax-inefficient holdings (bonds, REITs) are prioritized for tax-advantaged accounts (IRAs), while tax-efficient index funds stay in taxable accounts. This improves long-term after-tax returns without changing your overall allocation.

The Portfolio Allocation Model is a free, interactive tool that shows exactly how CleverAlpha builds portfolios. Enter your time horizon (1–25 years) and risk tolerance (Low to High) and the algorithm maps your inputs to a diversified ETF portfolio spanning up to 35 asset classes in real time — no account required. It's the same rules-based engine powering every CleverAlpha portfolio.

Up to 35 distinct ETF asset classes organized into four groups: Equity (U.S. large/mid/small cap across value, blend, growth styles; international; emerging markets), Fixed Income (government, corporate, high yield, world bond, inflation-protected, municipal across durations), Real Assets & Alternatives (domestic and global REITs, commodities, gold), and Cash. The exact blend depends on your risk tolerance and time horizon.

Yes. As your investment horizon shortens, the algorithm automatically shifts your portfolio toward a more conservative allocation — reducing equity exposure and increasing fixed income and cash. This "glide path" is systematic and automatic; you don't need to do anything.

Log in and request to sell some or all of your investment account. Money is sent via ACH back to your originating bank account. The money is yours to move freely.

We support virtually all retail investment account types:

• Taxable Brokerage — Individual, Joint, Corporate/Partnership
• Traditional IRA — pre-tax contributions, $7,000 limit for 2026 ($8,000 age 50+)
• Roth IRA — after-tax contributions, tax-free qualified withdrawals
• Rollover IRA — consolidate old 401(k), SEP, or SIMPLE plans
• SEP IRA — up to 25% of compensation, capped at $71,000 for 2026
• SIMPLE IRA — employee deferrals up to $17,000, plus catch-up
• 529 College Savings Plan — tax-free growth for qualified education expenses
• Custodial Roth IRA — for minors with earned income
• UGMA / UTMA — custodial accounts for minors
• HSA — triple-tax-advantaged healthcare savings
• Trust Accounts — revocable and irrevocable
• Trump Accounts — coming soon (for children born 2025–2028)

Possibly yes — most people benefit from rolling over their old 401(k) into a Rollover IRA. It avoids immediate taxes and penalties, gives you full control over investment choices, and may reduce fees. Our Rollover Decision Support Tool analyzes your specific situation in minutes.

Top choices:

• Trump Accounts — $1,000 gov't seed (2025–2028 births), $5,000/year cap, tax-deferred, converts to IRA at 18
• 529 College Savings — tax-free growth for qualified education, potential state deductions
• Custodial Roth IRA — tax-free growth if the child has earned income ($7,500 limit for 2026)
• UGMA/UTMA — flexible, no income requirement, no cap, child gains control at majority

Trump Accounts are new tax-advantaged investment accounts for children under 18. Eligible U.S. children born 2025–2028 receive a $1,000 seed from the U.S. Treasury. Parents can add up to $5,000/year with tax-deferred growth. At age 18 the account converts to a Traditional IRA. CleverAlpha manages these at our standard 0.25% fee.

The AI Advisor delivers daily insights including:

• Daily portfolio deconstruction — breaks down holdings, analyzes risk, explains performance using LLMs
• Intelligent tax scoring & asset location — recommends optimal placement across taxable and retirement accounts
• Personalized account recommendations — guided conversation about your goals and situation

Yes. CleverAlpha's AI features are privacy-first. Your personal data is anonymized when processed through LLMs. No personally identifiable information is shared with third-party AI providers.

Your account is held at Charles Schwab & Company, Inc., one of the largest custodians in the industry. CleverAlpha never has direct access to your funds — we are the investment manager, Schwab is the custodian.

Yes. Since your money is held at a SIPC-member broker-dealer, your account is insured up to $500,000 (including $250,000 for cash) by SIPC. SIPC protects against broker-dealer failure — it does not protect against market losses.

Verify CleverAlpha's SEC registration at adviserinfo.sec.gov/firm/summary/301620 (CRD #301620).

Nope. Transfer your account through our onboarding process and we take care of the rest.

Most ACATS transfers complete within 5–8 business days. During transfer, your assets remain safe at the originating broker.

Yes. Since CleverAlpha uses Charles Schwab as its custodian, internal Schwab-to-Schwab transfers are available and can be faster than external ACATS transfers.