Alphanso Inc. is a New York wealth management firm delivered as a platform with human advisers behind it. One dashboard covers investment planning, tax optimisation, estate planning, insurance, debt management, cashflow budgeting and goal tracking. Clients can leave assets where they are or move them to Charles Schwab as custodian, and there are apps on both stores. The headline commercial term is 0% AUM fees.
What distinguishes this from most things sharing its shape is that it is a regulated advisory business rather than a website about money. Its Form ADV is linked, its advisers carry CFP, CFA and CPA credentials, assets sit with a third-party custodian rather than with the firm, and the performance figure on the homepage is labelled a hypothetical derived from a model portfolio maintained since October 2022 – a disclosure, where the fraudulent versions of this product advertise a fabricated monthly yield. Charging no percentage of assets is also a real structural difference: the standard 1% AUM fee compounds into a very large number over decades.
Two things to establish for yourself. 0% AUM does not mean free – the firm earns somewhere, presumably a flat or subscription fee, and finding that number and comparing it against a percentage fee at your own asset level is the entire economic question. And nothing in this listing is advice or an assessment of suitability: a directory can confirm that a firm is registered and describes itself accurately, which is all this does. Check the ADV yourself, and take advice on whether the service fits your circumstances from someone who knows them.
