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Updated September 28, 2026. Quick answer: Yes, on every account. Ally Invest Robo Portfolios is registered with the SEC only as an investment adviser (it is not a broker-dealer), so the Investment Advisers Act of 1940 requires it to act as your fiduciary. Its own Form CRS states: “When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours.”
How it’s registered
From Ally Invest Advisors Inc., Form CRS (Client Relationship Summary) (April 1, 2026 (Form CRS V13-04012026)): “Ally Invest Advisors Inc. (AIA or we) is registered with the Securities and Exchange Commission (SEC) as an investment adviser.”
The standard of conduct, in its own words
“When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours.”
On commissions: “Persons associated with AIA are compensated primarily by a base salary. They are eligible to receive additional cash incentive compensation that is a percentage of their base salary. The incentive portion of our financial professionals’ compensation is based on individual performance, client satisfaction metrics, business unit performance, and performance of the firm.”
Fiduciary status by capacity
| Capacity | Registration | Standard you’re owed | Can earn commissions | Source |
|---|---|---|---|---|
| As your investment adviser | SEC-registered investment adviser | Fiduciary duty (Investment Advisers Act of 1940) | No (asset-based advisory fee: $1,500 a year, 0.30% on a $500,000 account) | Ally Invest Advisors Inc., Form CRS (Client Relationship Summary), April 1, 2026 (Form CRS V13-04012026) |
What this means for what you pay
Fiduciary status is one input, not the whole picture. Ally Invest Robo Portfolios discloses a published fee that runs $1,500 a year on a $500,000 account; see the full dollar breakdown from Ally Invest Robo Portfolios’ own fee disclosure before deciding whether the standard of conduct here changes your answer.
If the answer above changes your mind about staying, see what it costs to leave Ally Invest Robo Portfolios, or read the general mechanics of switching financial advisors.
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Just comparing fees? Keep reading the fee guide.Optional next step
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The matching service is run by WiserAdvisor, an independent advisor-matching company. It opens on their site, asks for your ZIP code and a few questions, and matches you with 2 to 3 vetted advisors. It is free to you. WiserAdvisor states the service is built for portfolios of $250,000 and above. By submitting, you consent to emails, phone calls and text messages from WiserAdvisor and up to three advisors, so expect to be contacted. Advisers pay for the introduction. Clear Money Guide is paid when you complete the form, whether or not you ever hire anyone. There is no obligation to hire anyone.
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Source: WiserAdvisor’s service descriptionSources
- Ally Invest Advisors Inc., Form CRS (Client Relationship Summary) (April 1, 2026 (Form CRS V13-04012026)): https://reports.adviserinfo.sec.gov/crs/crs_170301.pdf
- SEC Investment Adviser Public Disclosure, Ally Invest Advisors Inc. (CRD #170301): https://adviserinfo.sec.gov/firm/summary/170301
- Ally Invest Advisors Inc., SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/170301/PDF/170301.pdf
Methodology. This page was built September 28, 2026, quoting directly from Ally Invest Robo Portfolios’ own current Form CRS, with the source linked above; any distinction we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading the firm’s own Form CRS. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.