Guideline

Altruist is a digital custodian and investment management platform built exclusively for Registered Investment Advisors (RIAs), providing the custodial, trading, and reporting infrastructure that advisors use to manage client portfolios at zero custody fees. Traditional custodians like Schwab, Fidelity, and TD Ameritrade charge RIA custody fees and provide outdated advisor technology — Altruist eliminates custody fees and delivers modern software. The platform handles account opening (minutes rather than weeks), trading and rebalancing, fractional shares, performance reporting, billing, and client portal in a unified system. The advisor dashboard provides real-time portfolio performance, gain/loss reporting, and client communication tools. Model portfolio management enables advisors to build investment models and apply them consistently across client accounts with automated rebalancing. The direct indexing capability enables tax-efficient portfolio customization at account minimums below traditional direct indexing thresholds. Altruist's clearing and custody is provided through a FINRA-registered broker-dealer with SIPC protection. For independent RIAs spending significant revenue on custody fees and antiquated advisor technology, Altruist's zero-fee model and modern platform delivers meaningful economic and operational improvement. The platform has grown rapidly to serve thousands of RIA firms.

Titan is an actively managed investment platform that provides retail investors access to hedge fund-style strategies through professionally managed portfolios. Unlike robo-advisors that construct passive index portfolios, Titan's investment team actively selects concentrated positions in high-conviction stocks across its portfolio strategies — Flagship (US large-cap growth), Offshore (international), Opportunities (small/mid-cap), Crypto, Real Estate, and fixed income. The team communicates investment rationale, portfolio changes, and market commentary to clients through regular investor memos, creating a transparency around active management that traditional actively managed funds lack. Performance is benchmarked against relevant indices with full transparency. The 1% management fee is competitive with actively managed mutual funds but more expensive than passive robo-advisors. Minimum investment starts at $500. The platform's educational content explains the investment thesis behind each holding, building investor understanding alongside portfolio management. For investors who believe active management can outperform passive indexing and want institutional-quality research applied to their portfolio, Titan's transparent, concentrated active management approach provides a distinct alternative to the passive strategies that dominate the robo-advisor market.

M1 Finance is a free automated investing platform built around the concept of portfolio Pies — customizable visual portfolio allocations where investors define the exact mix of stocks and ETFs they want to hold, and M1 automatically buys and rebalances to maintain those percentages with every investment. This hybrid model between pure robo-advisor (fully automated) and self-directed brokerage (fully manual) gives investors more control over portfolio construction without requiring active trading management. Pre-built Expert Pies provide diversified portfolio templates aligned with investment strategies like Responsible Investing, income generation, or specific risk profiles. The 0% management fee is funded by M1 Premium subscriptions, margin lending, and interest on cash. Fractional shares enable precise percentage-based investing with any investment amount. The borrow feature (M1 Plus) provides margin borrowing at competitive rates against invested portfolio value. The Spend checking account integrates with the investment account. M1 Plus adds an afternoon trading window, enhanced cash rates, and smart transfer automation. IRA accounts are available for tax-advantaged investing. For self-directed investors who want automated rebalancing and fractional shares without paying advisory fees, M1 Finance's Pie-based model provides a uniquely flexible free investment management experience.