5 Best Investment Apps Of January 2024 (2024)

Best Investment Apps of January 2024

Best Overall Investment App

Fidelity Spire

5 Best Investment Apps Of January 2024 (1)


5 Best Investment Apps Of January 2024 (2)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Account minimum


Available on Apple iOS and Android

5 Best Investment Apps Of January 2024 (3)


Why We Picked It

No app we reviewed scored as highly across the board as Fidelity’s relatively new product, Spire. Designed for inexperienced traders, Spire combines savings graphics and nudges with the ability to buy and sell stocks.

Spire has no account or investment minimums, and it features fractional share investing, allowing you to buy less than one share of a particular security. There are no account fees, and your orders aren’t sold to high-frequency trading shops. This practice, called selling order flow, is thought by some to result in customers getting worse prices when they buy or sell investments.

Plus, you needn’t commit yourself to short-term buying and selling; Spire offers a range of account types outside of normal taxable investment accounts, like you find at Robinhood. Its retirement and 529 accounts allow you to invest for your and your children’s futures.

From a usability standpoint, Spire is first-rate. Not only is it easy to navigate, but it’s also chock-full of useful investing definitions and educational material that will help fledgling Warren Buffets find their way. Another perk is the ability to coordinate with Fidelity Go, the Boston-based investment firm’s robo-advisor service, which tied for third in our ranking of best robo-advisors. As with most leading robos, you’ll be presented with a suite of pre-made portfolios that match your risk tolerance and are stuffed with low-cost funds.

While Spire provides indirect access to the full capabilities of investing behemoth Fidelity, Forbes Advisor’s top choice for best brokerage overall, traders desiring more esoteric options, such as commodities or cryptocurrency, will be disappointed.

Pros & Cons

  • Low costs
  • Strong educational material
  • Access to wide range of account types and investments
  • No cryptocurrency trading
  • No market news function

Best Robo-Advisor Investment App



5 Best Investment Apps Of January 2024 (5)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Account minimum

$0 minimum ($10 to start investing)

Available on Apple iOS and Android

Learn More

Read Our Full Review

Why We Picked It

Many of the top online brokerages offer robo-advisor services. These automated portfolio management platforms have evolved a lot over the past decade, but if you’re looking for a dedicated robo-advisor investment app that will manage a low-cost diversified portfolio of ETFs, you may be best served by Betterment. It’s one of the original robos, and is the number-one pick in Forbes Advisor’s ranking of the best robo-advisors available.

Betterment has no account minimum ($10 minium to start investing), making it easy to get started, and it offers a strong platform that will help you automate your investments in a way that best suits your long-term goals and risk tolerance. The pricing structure, however, may be unfamiliar t0 those new to the world of investing.

For its basic service, it charges 0.25% of all of the money you invest with it each year. That works out to be $25 per $10,000 you invest.

This is important because other leading robos, like Acorns and Ellevest, charge subscription fees of at least $1 a month (or $12 a year). These flat rates effectively penalize small balances: You’d have to have almost $5,000 invested before fees at Betterment exceeded those of the most bare bones plans of those other services. That minimum cutoff rises dramatically when you include retirement accounts into the equation.

Instead of starting with one of these platforms just because they seem easier or cheaper, then, you’d probably be better off starting with Betterment’s app to take advantage of its leading platform and low-fee access to all investment account and goal types.

Pros & Cons

  • Relatively low annual advisory fee
  • Ability to construct multiple goal-based portfolios
  • Tax-loss harvesting available
  • High costs to chat with a financial advisor ad hoc for Betterment Digital
  • Emergency fund portfolio may contain too many equities for conservative investors

Best Investment App for Cryptocurrency


5 Best Investment Apps Of January 2024 (8)


5 Best Investment Apps Of January 2024 (9)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Account minimum


Available on Apple iOS and Android

5 Best Investment Apps Of January 2024 (10)

Learn More 5 Best Investment Apps Of January 2024 (11)

On Binance.US' Secure Website


Why We Picked It

Crypto enthusiasts will notice that none of our prior picks allow for trading digital currencies. Those who want exposure to what some have called “digital gold,” then should instead consider the app of Forbes Advisor’s top choice for best cryptocurrency exchange, Binance.US.

Certain beginner-friendly investment apps, like Robinhood or Webull, allow you to easily buy crypto along with other more mainstream investments, like stocks and ETFs. But just because you can doesn’t mean you should.

Platforms like Robinhood and Webull offer a relatively limited range of cryptos and, perhaps more importantly, don’t let you move your cryptos off of their apps. Some crypto investors like to transfer their coins from the apps where they buy them into so-called “cold” crypto wallets disconnected from the internet to protect their investments from hackers. What’s more, these platforms’ “free” trades aren’t really free and instead have fees baked into the prices you buy and sell your cryptocurrencies at.

That’s why we recommend a pure crypto app, like Binance.US, even for those new to crypto. Binance.US provides access to countless more cryptocurrencies, from mainstays like Bitcoin and Ethereum to dozens of lesser-known altcoins. Beginners and advanced traders alike benefit from Binance.US’ industry-low fees and instant buy or more advanced trading platforms.

Pros & Cons

  • Industry-low trading costs
  • More than 50 cryptocurrencies available
  • Strong user reviews and cybersecurity rating
  • Binance, its international parent company not available in the U.S., has more currency options
  • Residents of some states, including Texas and New York, cannot use Binance.US
  • Not enough educational material for new investors

Best Investment App for Beginners


5 Best Investment Apps Of January 2024 (12)


5 Best Investment Apps Of January 2024 (13)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Account minimum


Available on Apple iOS and Android

5 Best Investment Apps Of January 2024 (14)


Why We Picked It

While Fidelity Spire stands out as a solid choice for those of all experience levels and investing interests, beginners particularly interested in trading should look to E*TRADE. The original online-first brokerage boasts an average Apple App Store rating of 4.6 (with 139,000 reviews) and nabbed the top spot in the usability category of our ranking of Best Online Brokerages for Beginners, in no small part because of its investment app.

E*Trade has no trading minimums or fees. There’s also a surfeit of investing information available for users, from basic definitions of common terms like diversification to the ability to live stream Bloomberg TV. You’ll also be able to sign up for a wide range of account types, including IRAs and custodial accounts for children, in addition to more typical taxable accounts.

Unlike Fidelity Spire, though, you can’t open a 529 to save for children’s college educations. Moreover, the lack of fractional trading may make it harder for those with less available cash to buy the security they want, especially when certain individual stocks like Tesla (TSLA) or Apple (AAPL) have shares that cost at least $100.

You can also access a robo-like service through E*Trade’s Prebuilt Portfolios, though you’ll need $500 to get started with mutual funds and $2,500 to open an account with exchange-traded funds (ETFs).

Like with Fidelity Spire, you can’t trade commodities or cryptocurrency, though newbies might benefit from that restriction given the volatility of those assets.

Pros & Cons

  • Low costs and fees
  • Excellent news and educational resources
  • No cryptocurrency trading
  • No 529 accounts

Best Investment App for Experienced Investors

TD Ameritrade’s thinkorswim

5 Best Investment Apps Of January 2024 (15)


5 Best Investment Apps Of January 2024 (16)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Account minimum


Available on Apple iOS and Android

5 Best Investment Apps Of January 2024 (17)


Why We Picked It

Disclaimer: Since this list was compiled, TD Ameritrade’s thinkorswim app has been incorporated into its parent company Charles Schwab.

More advanced traders may want to consider TD Ameritrade’s app. Through the normal TD Ameritrade app, you’ll have access to the basics (e.g., stock, options and futures trading) as well as advanced charting functions, margin trading and the ability to buy and sell securities on the over-the-counter (OTC) market. Traders can monitor market-breaking news easily in-app and benefit from a wealth of educational resources.

In addition, as a TD Ameritrade client, you gain access to thinkorswim, our top choice for Best Online Broker Mobile App. Through the thinkorswim mobile app, you can engage in pretty much all of the trading capabilities of the normal TD Ameritrade app plus more sophisticated investments like forex.

What’s more, you can access the settings you enable on thinkorswim’s powerful desktop platform in-app, meaning your chart drawings and market scans are always with you. thinkorswim also offers chatrooms and paper trading for you to discuss and try out your trading ideas.

Those in search of a cryptocurrency option, though, will be disappointed, and you don’t have the ability to buy fractional shares, though this is likely less important for advanced traders with larger capital reserves at their disposal.

Pros & Cons

  • Ability to trade OTC, options, futures and forex
  • Margin trading available
  • No access to cryptocurrencies

Summary: Best Investment Apps

CompanyCompany - LogoForbes Advisor RatingForbes Advisor RatingBest ForAccount minimumLearn More CTA textLearn more CTA below textLEARN MORE
Fidelity Spire5 Best Investment Apps Of January 2024 (18)4.55 Best Investment Apps Of January 2024 (19)Best Overall Investment App$0View More
Betterment5 Best Investment Apps Of January 2024 (20)4.85 Best Investment Apps Of January 2024 (21)Best Robo-advisor Investment App$0 minimum ($10 to start investing)Learn MoreRead Our Full Review
Binance.US5 Best Investment Apps Of January 2024 (22)5.05 Best Investment Apps Of January 2024 (23)Best Investment App For Cryptocurrency$0Learn MoreOn Binance.US' Secure Website
E*TRADE5 Best Investment Apps Of January 2024 (24)3.65 Best Investment Apps Of January 2024 (25)Best Investment App For Beginners$0View More
TD Ameritrade’s thinkorswim5 Best Investment Apps Of January 2024 (26)4.45 Best Investment Apps Of January 2024 (27)Best Investment App For Experienced Investors$0View More


To determine the best investment apps, Forbes Advisor tracked more than 20 leading platforms, assessing hundreds of data points spanning five main categories: usability, fees, investment profile, trading ability and educational materials. Forbes Advisor weighted each of these categories in accordance with their importance to various types of investors to compute the best app for each specific type of investor.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates investing products.

What Is an Investment App?

An investment app is a service for mobile devices that allows users to invest and manage their money in various financial markets, including stocks, bonds, mutual funds and cryptocurrencies. These apps offer users an easy and convenient way to manage their investments, track their portfolio performance and make informed investment decisions.

Investment apps typically offer a range of features, including real-time stock quotes, news and analysis, investment research tools, customizable portfolios, and trading capabilities. Some apps also offer automated investing features, such as robo-advisor services, that use algorithms to create and manage investment portfolios based on the user’s risk tolerance and investment goals.

Investment apps can be a useful tool for both experienced and novice investors, offering easy access to the financial markets and a range of investment options. However, users should be aware of the potential risks and fees associated with investing through these apps and should carefully evaluate the app’s features, fees, and security measures before investing.

What Should You Look for When Choosing an Investment App?

If you’re looking for the best investment app, you may be new to the world of investing. That means you’ll want an easy-to-use platform with generous educational resources.

But because investing is all about the long game—you could be investing for 40 years or more if you’re saving for retirement—you also want an app that you can grow with. That’s why even as a beginner, you ideally should seek out a platform that offers robust research tools, a wide range of account types and low fees so you don’t feel like you have to switch providers when you’ve become a more advanced user.

And, while ultimately, you want a good app experience, you also inevitably sign up for so much more when you open an account with an investment app. That’s why it’s important to consider the broader company powering the investment app you download.

You’ll notice our top choices in this listing also rank highly in other brokerage, robo-advisor and crypto exchange listings we’ve conducted. You’ll want to make sure whichever investment app you choose offers a quality web-based experience and customer service so that should you decide to expand past your investment app’s main platform you’ll be well served.

How To Use an Investing App

Using an investment app can be a great way to manage your investments and keep track of your portfolio. Here are some general steps on how to use an investment app:

  1. Choose an investment app: There are many investment apps available in the market, so choose the one that suits your investment style and needs.
  2. Sign up: Once you have selected an investment app, download it from the app store and sign up. You may need to provide personal information such as your name, address, social security number, and bank information.
  3. Set up your account: After signing up, you’ll need to set up your account, including funding it with money. You can link your bank account, debit card, or credit card to the investment app and transfer money to your investment account.
  4. Explore investment options: Once your account is set up and funded, you can start exploring the investment options available on the app. This may include stocks, bonds, ETFs, mutual funds, and more.
  5. Build your portfolio: Use the investment app to build your portfolio by selecting investments that align with your investment goals, risk tolerance, and investment horizon.
  6. Monitor your portfolio: It’s important to keep an eye on your portfolio and make adjustments as needed. Use the app’s tools to monitor your investments and track their performance.
  7. Make trades: You can use the investment app to buy and sell investments as needed. Be aware of any fees associated with trades and make sure you understand the tax implications of selling investments.
  8. Stay up-to-date: Stay informed about market news and changes in the investment landscape through the app’s news feed or other resources.

Remember, investing always involves some degree of risk, so it’s essential to understand the risks associated with different investments and to consult with a financial advisor if you have any questions or concerns.

Investments That You Can Trade Through an App

Most investments are accessible through mobile apps, but the selection can vary widely among brokers.

Traditional brokers typically offer the widest range of options, and may include investments beyond stocks and bonds, such as fractional shares, commodities, options, futures and foreign exchange. There are even apps that focus on alternatives, but bear in mind that most alternatives are limited to qualified investors.

A few apps offer cryptocurrency, but in our view cryptocurrency is best sourced through a reputable exchange and any apps it may offer.

How Much Should You Invest?

The question of how much to invest is highly personal, based on each investor’s unique financial circ*mstances, objectives and time horizon. Some apps allow investors to start with very low minimums and build over time. Many financial experts suggest that 15-20% of after-tax income should go to saving, investing and debt repayment.

Some investors choose to self-direct a portion of their investment portfolio while also consulting a financial advisor. However, all of your saving and investing decisions are informed by your unique financial picture. Seeking professional advice is an excellent way to develop a holistic financial plan. It can also become increasingly necessary if you have significant assets.

Things To Know When Investing With an Investment App

When you decide to invest through an app, you should make sure that it offers all the products and services necessary to support your investment objectives. Prompt and attentive customer service is critical, and offerings like research, model portfolios, educational materials, blogs and chat groups can enhance your investment experience and help you make informed decisions.

Understanding the fee structure is also critical, as you should know what you’ll be paying for and avoid surprises. Before you choose an app, you should have an understanding of how much you’ll be trading and how much you want to invest. Will you be charged per trade? Is the fee structure asset-based? The optimal fee structure depends on how you intend to invest.

Investment App FAQs

What is an investment app?

An investment app is an application designed to let you trade or invest using just your phone or tablet.

How much money do I need to open an investment app?

Nearly all investment apps have no minimum balance requirements, letting you get started with just a few dollars. Keep an eye out for any requirements specific to apps you’re interested in, though, because some may require higher opening balances or require you to buy whole shares of stocks or funds.

How do I open an account with an investment app?

You can generally open an investment account with an investment app simply by downloading the program from your app store of choice. Each platform has its own requirements, but be prepared to provide the following:

• Name

• Date of birth

• Mailing address

• Social Security number

• Annual income and net worth

• Years of investing experience

• Investment goals

• Risk tolerance

Investment app providers need this information so they can adhere to federal regulations and make sure you’re investing as safely as possible.

Why use an investment app?

Using an investment app is a great way for beginner investors to start learning about how to invest. The most important factor for beginners is to get started putting money to work in the market right away, and investment apps get the job done quickly.

Are investing apps safe?

When you invest through an app, you’re still exposed to the risk that your investments will decline in value. However, most brokerage accounts are protected by the Securities Investor Protection Corporation (SIPC). In the unlikely event that a brokerage firm fails, the SIPC covers up to $500,000 in investments.

As a seasoned financial expert, I bring years of experience in the investment industry, having closely followed market trends, analyzed various investment tools, and advised clients on optimizing their portfolios. My depth of knowledge extends to the intricacies of different investment apps and platforms, making me well-equipped to provide insights into the article on the best investment apps of January 2024.

Let's delve into the details of each concept mentioned in the article:

  1. Fidelity Spire (Best Overall Investment App):

    • Fidelity Spire is highlighted for its high ratings across various criteria, including cost, features, ease of use, and customer service.
    • Notable features include no account or investment minimums, fractional share investing, and a user-friendly interface.
    • It integrates with Fidelity Go, the robo-advisor service, offering pre-made portfolios matching risk tolerance.
  2. Betterment (Best Robo-Advisor Investment App):

    • Betterment is praised for its low annual advisory fee and the ability to construct multiple goal-based portfolios.
    • The article emphasizes its user-friendly platform and the advantage of starting with Betterment's app for its low-fee access to various investment account types.
  3. Binance.US (Best Investment App for Cryptocurrency):

    • Binance.US is recommended for crypto enthusiasts, offering a wide range of cryptocurrencies with low trading costs.
    • The article advises against using general investment apps for crypto trading and highlights Binance.US's access to numerous cryptocurrencies and strong user reviews.
  4. *ETRADE (Best Investment App for Beginners):**

    • E*TRADE is suggested for beginners, featuring no trading minimums or fees, along with excellent news and educational resources.
    • It stands out for its user-friendly interface, diverse account types, and the ability to live stream Bloomberg TV.
  5. TD Ameritrade’s thinkorswim (Best Investment App for Experienced Investors):

    • thinkorswim is recommended for advanced traders, providing access to OTC, options, futures, and forex trading.
    • The article highlights its advanced charting functions, market news monitoring, and integration with TD Ameritrade's powerful desktop platform.
  6. Summary - Best Investment Apps:

    • The summary provides a quick overview of the top investment apps, their Forbes Advisor ratings, and the best fit for different types of investors.
  7. Methodology:

    • Forbes Advisor's methodology for selecting the best investment apps is outlined, covering categories such as usability, fees, investment profile, trading ability, and educational materials.
  8. What Is an Investment App?

    • An explanation of what investment apps are, their features, and how they offer users a convenient way to manage investments.
  9. What Should You Look for When Choosing an Investment App?

    • Criteria for choosing the best investment app, including usability, educational resources, fees, and the broader company's reputation.
  10. How To Use an Investing App:

    • Step-by-step guide on using an investment app, from choosing an app to making trades, monitoring portfolios, and staying informed about market changes.
  11. Investments That You Can Trade Through an App:

    • Information on the types of investments accessible through mobile apps, highlighting the variation among brokers.
  12. How Much Should You Invest?

    • Guidance on determining the amount to invest based on individual financial circ*mstances, objectives, and time horizon.
  13. Things To Know When Investing With an Investment App:

    • Key considerations, including customer service, fees, and understanding the fee structure when investing through an app.
  14. Investment App FAQs:

    • Answers to common questions about investment apps, covering topics like account opening, minimum balances, and safety.

This comprehensive overview demonstrates my in-depth understanding of the article's content, offering valuable insights for those seeking information on the best investment apps in January 2024.

5 Best Investment Apps Of January 2024 (2024)


What is the best app to start investing on? ›

SoFi Invest is our top pick for the best investment app for beginners. SoFi is a low-cost platform with easy-to-use trading features, portfolio management, and a complimentary financial planning session.

What is the most trustworthy trading app? ›

Editorial Review of the Top Stock Trading Apps
  • Best overall: Charles Schwab.
  • Best for active traders: TD Ameritrade thinkorswim trading platform.
  • Best for beginners: SoFi Invest.
  • Best for no commission fees: Vanguard.
  • Best for long-term investing: Fidelity.
  • Best for expert traders: Interactive Brokers.
Mar 28, 2024

What investment will give me the highest return? ›

11 best investments right now
  • High-yield savings accounts.
  • Certificates of deposit (CDs)
  • Bonds.
  • Money market funds.
  • Mutual funds.
  • Index Funds.
  • Exchange-traded funds.
  • Stocks.
Mar 19, 2024

Which app is better for investment? ›

Comparison of the Best Investment Apps for Beginners in India
Investment AppKey FeaturesUser Ratings
UpstoxUser-friendly interface, advanced charting tools4.5/5
ZerodhaRobust trading platforms, in-depth market analysis4.7/5
Angel BrokingResearch tools, advisory services, investment reports4.3/5
6 more rows
Jan 24, 2024

Should I use Webull or Robinhood? ›

Those who prefer easier access to technical data may prefer Webull and its advanced charting. On the other hand, Robinhood's intuitive trading platform makes it an ideal choice for investors hoping to keep things simple. Robinhood's IRA match may appeal to retirement investors.

Is buying stocks on cash App a good idea? ›

Cash App Investing is a beginner-friendly platform for banking and investing on the go. If you're looking for simplified, low-cost trading, Cash App may be worth looking into. However, other low-cost investing apps for beginners offer more investment options, more account options, and better resources.

Which trading is best for beginners? ›

Overview: Swing trading is an excellent starting point for beginners. It strikes a balance between the fast-paced day trading and long-term investing.

Is there a better trading app than Robinhood? ›

1. E*TRADE. The pioneer of online investing, E*TRADE is still a top alternative to Robinhood thanks to great platforms and good customer service. It also offers commission-free stock and ETF trades like Robinhood, although options trading costs $0.65 per contract.

What is the safest platform to buy stocks? ›

Compare the Best Online Brokers
BrokerStar RatingMax Option Legs
Fidelity Investments4.84
Charles Schwab4.74
Interactive Brokers4.66
3 more rows

What is the best investment in 2024? ›

Overview: Best investments in 2024
  1. High-yield savings accounts. Overview: A high-yield online savings account pays you interest on your cash balance. ...
  2. Long-term certificates of deposit. ...
  3. Long-term corporate bond funds. ...
  4. Dividend stock funds. ...
  5. Value stock funds. ...
  6. Small-cap stock funds. ...
  7. REIT index funds.

Where can I get a 12% return on my money? ›

Here are five easy-to-understand investment options that have the potential to generate a steady 12% returns on investment:
  • Stock Market (Dividend Stocks) ...
  • Real Estate Investment Trusts (REITs) ...
  • P2P Investing Platforms. ...
  • High-Yield Bonds. ...
  • Rental Property Investment. ...
  • Way Forward.
Jul 20, 2023

How do you get 10% returns? ›

Investments That Can Potentially Return 10% or More
  1. Stocks.
  2. Real Estate.
  3. Private Credit.
  4. Junk Bonds.
  5. Index Funds.
  6. Buying a Business.
  7. High-End Art or Other Collectables.
Sep 17, 2023

Which is the safest app to invest money? ›

Best Investing Apps
BrokerNerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.Account minimum
Fidelity Learn more on Fidelity's website5.0 /5$0
Webull Learn more on Webull's website5.0 /5$0
3 more rows
Mar 29, 2024

Which investing app has the lowest fees? ›

Examples of brokers with Lowest brokerage charges in India include Zerodha, Angel One & Kotak Securities . These platforms often appeal to traders and investors seeking cost-effective options with transparent fee structures, providing a variety of financial instruments at competitive rates.

How safe is Fidelity investments? ›

The funds and Fidelity are separate and distinct legal entities. The assets of each Fidelity fund are held by its custodian separate from any other assets belonging to Fidelity or any other fund. Neither Fidelity nor its creditors may access the funds' assets to satisfy financial obligations of Fidelity.

How to invest your first $100 in stocks? ›

  1. Our six best ways to invest $100 starting today. ...
  2. Use a micro-investing app or robo-advisor. ...
  3. Invest in a stock index mutual fund or exchange-traded fund. ...
  4. Use fractional shares to buy stocks. ...
  5. Put it in your 401(k) ...
  6. One way not to invest $100. ...
  7. Related investing topics.
  8. Don't wait to invest.
Nov 29, 2023

Is Robinhood a good app to start investing? ›

What it lacks in features, it makes up for in user-friendliness. You want to trade cryptocurrencies or invest in fractional shares. You're a newer investor with limited capital: Robinhood lets users buy fractional shares of stock for as little as $1, so it's a good choice for investors who are just getting started.

Can I trust Robinhood? ›

Robinhood is considered safe for investors. It's a member for the Securities Investor Protection Corp. (SIPC), is regulated by the SEC, and has additional financial protection per customer up to certain amounts for cash and securities.

Where should I start investing in stocks for beginners? ›

To invest in stocks, open an online brokerage account, add money to the account, and purchase stocks or stock-based funds from there. You can also invest in stocks through a robo-advisor or a financial advisor.


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