Best robo-advisor

Combined ranking

1. 1
   WWealthfront—14 pts

   GPT #2Claude #1Gemini #1

   Best-in-class automation with daily tax-loss harvesting, direct indexing on larger balances, a competitive high-yield cash account, and the Path planning tool — all at a flat 0.25% fee with a low entry minimum.

   To stay #1 Add access to human financial advisors (it remains purely digital), which is the main reason hands-on investors pick rivals.

2. 2
   BBetterment—13 pts

   GPT #1Claude #2Gemini #2

   Best overall mix of low 0.25% pricing, tax-loss harvesting, strong goal planning, broad account support, portfolio customization, cash tools, and optional CFP access

   To rank higher Make the small-balance pricing less punitive

3. 3
   VVanguard Digital Advisor—8 pts

   GPT #3Claude #3Gemini #4

   Extremely low all-in advisory cost, $100 minimum, Vanguard index-fund discipline, retirement focus, and strong fit for long-term buy-and-hold investors

   To rank higher Add more portfolio customization and richer taxable-account tax tools

4. 4
   FFidelity Go—6 pts

   GPT #4Claude #5Gemini #3

   No advisory fees for balances under $25,000, zero-expense-ratio underlying Flex funds, and free access to live coaching for larger balances.

   To rank higher Reduce the 0.35% advisory fee applied to balances of $25,000 and above.

5. 5
   SSchwab Intelligent Portfolios—4 pts

   GPT #5Claude #4Gemini #5

   No advisory fee at all, broad ETF diversification, automatic rebalancing, free tax-loss harvesting above $50k, and access to Schwab's full brokerage ecosystem and branches.

   To rank higher Cut the large mandatory cash allocation that creates return-dragging "cash drag," and drop the steep $25k minimum.

By model

Tracked by ModelsAgree · rank 1 = 5 pts … rank 5 = 1 pt · re-polled continuously