Guides › Financial Advisor Fees
Updated September 28, 2026. Quick answer: Yes, on every account. SigFig Wealth Management 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 SigFig acts as your investment adviser, we are required to act in your best interest and not put our interest ahead of yours.”
How it’s registered
From Form CRS, Customer Relationship Summary, SigFig Wealth Management (March 2023): “SigFig Wealth Management, LLC (“SigFig”) is a limited liability company founded in 2011 and is an SEC-registered investment adviser.”
The standard of conduct, in its own words
“When SigFig acts as your investment adviser, we are required to act in your best interest and not put our interest ahead of yours.”
On commissions: “SigFig personnel are compensated based on individual performance and growth of business. Advisory personnel with client-facing responsibilities also may receive a small quarterly bonus based on the amount of client assets and total number of accounts they service, creating an incentive to recommend that Clients open accounts or increase assets.”
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: up to $2,500 a year, 0.50% on a $500,000 account, the published maximum) | Form CRS, Customer Relationship Summary, SigFig Wealth Management, March 2023 |
What this means for what you pay
Fiduciary status is one input, not the whole picture. SigFig Wealth Management discloses a published fee that runs up to $2,500 a year on a $500,000 account (the published maximum); see the full dollar breakdown from SigFig Wealth Management’s 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 SigFig Wealth Management, or read the general mechanics of switching financial advisors.
Compare your next step
Just comparing fees? Keep reading the fee guide.Optional next step
Explore an adviser match
Compare the services and the full fee before deciding whether to hire anyone.
- No fee to request a match
- No obligation to hire
Expect questions about your situation, your name, email and phone, and phone verification by text. A match is not guaranteed.
The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
Opens here. Nothing loads and nothing reaches Kapitalwise until you press the button.
How our partner relationships workCompare an adviser match before you decide
Ask about the full fee, what it covers and how the adviser is paid. A match is an introduction, not a recommendation from Clear Money Guide.
- Free matching service
- No obligation to hire
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.
Continue to WiserAdvisorOpens on WiserAdvisor’s site in a new tab.
Source: WiserAdvisor’s service descriptionSources
- Form CRS, Customer Relationship Summary, SigFig Wealth Management (March 2023): https://reports.adviserinfo.sec.gov/crs/crs_158823.pdf
- SEC Investment Adviser Public Disclosure, SigFig Wealth Management (CRD #158823): https://adviserinfo.sec.gov/firm/summary/158823
- SigFig Wealth Management, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/158823/PDF/158823.pdf
Methodology. This page was built September 28, 2026, quoting directly from SigFig Wealth Management’s 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.