Savvy Wealth: Platform Profile

Overview

Savvy Wealth is a technology company whose affiliated registered investment adviser, Savvy Advisors, Inc., provides client investment advice and portfolio management.

That legal distinction should lead the review.

The current structure is:

• Technology company: Savvy Wealth Inc.
• Registered adviser: Savvy Advisors, Inc.
• Adviser CRD: 318493
• SEC number: 801-123656

Savvy's model is designed around individual financial advisers operating on a shared technology and operations platform.

From a client's perspective, that means pricing and service can vary more by adviser and relationship than at a standardized robo-adviser.

Current Form CRS states that investment-management fees are negotiable and generally range from:

• Investment management fee range: 0.30%-1.90% annually

It also states a general account-maintenance minimum of:

• General minimum: $500,000

Savvy can support:

• investment management;
• financial planning;
• retirement planning;
• estate-planning coordination;
• tax-related planning;
• direct indexing;
• selected alternative investments;
• held-away account analysis;
• discretionary or non-discretionary management.

May fit better for

• clients who want a dedicated adviser rather than an algorithm-only portfolio;
• households with approximately $500,000 or more to place under management;
• clients who want the adviser relationship supported by modern portfolio and planning technology;
• taxable investors considering direct indexing;
• clients who prefer negotiated pricing rather than one platform-wide fee;
• investors who want an adviser able to work across retirement, estate, tax and investment questions;
• eligible investors evaluating selected private-market or alternative strategies.

May fit less well for

• investors seeking a standardized low-cost robo portfolio;
• small accounts;
• clients who want one fixed public fee;
• investors who assume every Savvy adviser charges the same percentage;
• users who want AI to make unsupervised investment decisions;
• investors who want one universal custodian;
• clients who assume direct indexing guarantees tax savings;
• investors who need daily liquidity from every alternative investment.

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Savvy Advisors, Inc. is the legal adviser

Current IAPD information identifies:

• Legal adviser: Savvy Advisors, Inc.
• CRD: 318493
• SEC number: 801-123656
• SEC status: Approved

Savvy Wealth Inc. provides technology and platform infrastructure.

Savvy Wealth Inc. is the registered adviser

without preserving the legal advisory entity.

The distinction matters for:

• fiduciary duty;
• advisory contracts;
• fee disclosure;
• regulatory filings;
• conflicts;
• disciplinary records.

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Current general minimum is $500,000

Savvy's March 2026 Form CRS states:

• General account minimum: $500,000

The wording is that Savvy generally requires a minimum investment amount of $500,000 to maintain an account.

Acquired relationships, adviser practices, negotiated arrangements or exceptions can create different circumstances.

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Current advisory fees are negotiated within a broad range

Form CRS states:

• Annual AUM fee range: 0.30%-1.90%
• Fees negotiable: Yes

The exact rate depends on:

• account size;
• account complexity;
• adviser relationship;
• advisory agreement;
• services;
• portfolio implementation.

Savvy charges 0.30%.

Savvy charges 1.90%.

Both would convert a disclosed range into a universal price.

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Fee math should show the range without pretending the client rate is known

At 0.30%

$500,000 × 0.30% = $1,500/year

At 1.00%

$500,000 × 1.00% = $5,000/year

At 1.90%

$500,000 × 1.90% = $9,500/year

These are illustrations of the disclosed range.

They are not quotations for a specific client.

The actual advisory agreement controls.

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Fixed fees can also exist

Savvy's Form CRS states that certain clients can use fixed-fee arrangements.

Financial planning and consulting can also be billed:

• flat rate;
• hourly.

A current review should therefore avoid framing Savvy as exclusively an AUM-fee firm.

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Savvy can operate discretionarily or non-discretionarily

Savvy's Form CRS states that a client can:

• grant the adviser discretion; or
• retain discretion.

If discretion is granted, Savvy can make investment purchases and sales under the agreement without asking for approval on each transaction.

If discretion is retained, the client remains the ultimate decision maker.

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Direct indexing carries an additional fee

Savvy provides direct-indexing strategies for applicable clients.

Current Form CRS states explicitly:

• Direct indexing: Yes
• Direct indexing additional fee: Yes

That is important because the published 0.30%-1.90% advisory range is not necessarily the complete cost of a direct-indexing account.

Separate costs can include:

• direct-indexing provider charges;
• trading costs;
• custodial costs;
• taxes;
• other investment expenses.

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Tax-loss harvesting is not a guaranteed tax benefit

Savvy's direct-indexing materials discuss tax-loss harvesting.

Potential benefits depend on:

• the client's taxable gains;
• tax rates;
• wash-sale interactions;
• available substitute securities;
• portfolio drift;
• holding period;
• future gains;
• other household accounts.

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Alternative investments are eligibility-dependent

Savvy can make selected alternative investments available through adviser relationships.

The review should keep this broad rather than pretending every adviser offers the same product menu.

Depending on the product, eligibility can include:

• accredited-investor status;
• qualified-purchaser status;
• other suitability requirements.

Private investments can impose:

• higher expenses;
• limited liquidity;
• valuation uncertainty;
• leverage;
• credit risk;
• manager risk.

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Savvy uses multiple custodians

Current Savvy materials reference brokerage/custody relationships including:

• Charles Schwab;
• Fidelity;
• Goldman Sachs.

A custody relationship is separate from the advisory relationship.

The actual custodian determines:

• account statements;
• brokerage protections;
• execution;
• custody terms.

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AI supports advisers but does not replace their investment judgment

Savvy markets Savvy Intelligence and other AI-enabled workflow tools.

Current disclosures state that AI is used to support advisers and does not replace professional judgment.

Savvy's AI autonomously manages client portfolios.

The registered adviser and financial professional remain responsible for the advisory relationship.

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Current scale should remain dated

Savvy currently markets approximately:

• AUM public: $8 billion
• AUM as of: July 2026
• Advisor network: 100+ advisors

These are dated company references.

They are not:

• a performance claim;
• a guarantee of service quality;
• a replacement for regulatory AUM definitions.

Assessment

Savvy's advantage is flexibility.

The firm gives advisers a modern platform while allowing the adviser/client relationship to determine:

• price;
• service scope;
• custody;
• discretion;
• portfolio construction.

That is also the main comparison challenge.

A reader cannot evaluate Savvy from one headline fee.

The useful due-diligence questions are:

• What exact percentage or fixed fee will this adviser charge?
• Is the relationship discretionary?
• Which custodian will hold the account?
• Are direct-indexing costs extra?
• Are private investments being recommended?
• Does the professional have separate insurance or brokerage compensation?

The range is broad enough that two Savvy clients can have materially different economics.