Guides › Financial Advisor Fees
Updated September 28, 2026. Quick answer: Yes, on every account. Stash 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 interests ahead of yours.”
How it’s registered
From Stash Investments LLC and Stash Capital LLC Form CRS, Client Relationship Summary (August 14, 2026): “Stash Financial Inc., a subsidiary of Grab Holdings Limited, owns Stash Investments LLC and Stash Capital LLC. Stash Investments LLC is registered with the SEC as an investment adviser. Stash Capital LLC is registered with the SEC as a broker-dealer and is a member of FINRA and SIPC.”
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 interests ahead of yours.”
On commissions: “Our financial professionals receive salaries and discretionary bonuses. They are not paid commissions or compensated based on your assets, specific investment recommendations, or product sales.”
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: $144 a year, 0.03% on a $500,000 account) | Stash Investments LLC and Stash Capital LLC Form CRS, Client Relationship Summary, August 14, 2026 |
What this means for what you pay
Fiduciary status is one input, not the whole picture. Stash discloses a published fee that runs $144 a year on a $500,000 account; see the full dollar breakdown from Stash’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 Stash, or read the general mechanics of switching financial advisors.
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Source: WiserAdvisor’s service descriptionSources
- Stash Investments LLC and Stash Capital LLC Form CRS, Client Relationship Summary (August 14, 2026): https://reports.adviserinfo.sec.gov/crs/crs_226550.pdf
- SEC Investment Adviser Public Disclosure, Stash Investments LLC (CRD #226550): https://adviserinfo.sec.gov/firm/summary/226550
- Stash Investments LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/226550/PDF/226550.pdf
Methodology. This page was built September 28, 2026, quoting directly from Stash’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.