Hybrid Robo-Advisor Service

Hybrid robo-advisors blend automated investment management with human financial planning - using algorithms for portfolio management while providing advisor access for planning and guidance.

This model offers lower costs than traditional advisors while maintaining human element.

You use platforms like Betterment for Advisors, Wealthfront, or build on custodian platforms, charging 0.25-0.75% of AUM plus planning fees.

Managing $20-50 million in client assets generates $80,000-$300,000 annually with 60-75% margins.

Target clients include younger professionals, tech-savvy investors, millennials building wealth, clients wanting low-cost advice, and anyone comfortable with digital-first service.

Services include automated portfolio management, financial planning and goal setting, advisor access via video/phone, tax-loss harvesting, and potentially specialized planning.

Success requires selecting and implementing robo-advisor platform, providing valuable human advice efficiently, marketing to digital-first audience, comfort with technology and automation, and building AUM through digital marketing.

Many hybrid advisors target younger clients traditional advisors ignore, use content marketing and social media, offer lower account minimums ($10,000-$50,000 versus $250,000+), provide planning through virtual meetings, and potentially transition to full RIA as assets grow.