You're Just Getting Started — And That's Okay.

Commission-free brokerage for stocks, ETFs, options, and fractional shares. Zero minimum. No robo-advisor — you make every decision. Over 23 million users. FINRA and SIPC member. The most accessible self-directed entry point for Average North Americans starting to build investing habits.

Automated micro-investing that rounds up everyday purchases and invests spare change into ETF portfolios. Purpose-built for the Average North American who struggles to set money aside consistently. Over 12 million users. Part of K2P's Level 1 microsavings progression path.

Beginner-friendly app combining micro-investing, fractional share purchases, and financial education in one place. Buy fractional shares of stocks and ETFs with as little as $1. Includes banking, auto-invest, and budgeting tools. Lower barrier than Robinhood for absolute beginners who need a full financial ecosystem first.

Multi-asset investing app with fractional stocks, bonds, U.S. treasuries, crypto, and alternative assets. Unique social layer lets investors see what others are buying and why. High-yield cash accounts included. Commission-free. SIPC member. A strong bridge between micro-saving and active self-directed investing.

Hybrid platform combining active brokerage with automated robo-advisor. $0 management fee. 1% IRA contribution match. Free certified financial planner access for all members. Commission-free stocks, ETFs, and options. Fractional shares from $5. Strong all-in-one option for Average North Americans opening their first investment account.

Top-rated robo-advisor managing diversified ETF portfolios automatically. 0.25% annual fee. Daily tax-loss harvesting included. Goal-based tools for retirement and general investing. Socially responsible portfolio options. No account minimum — $10 to start. Best for investors who want automated wealth-building without managing their own portfolio.

Completely free robo-advisor for accounts under $25,000 — zero management fee and zero fund expense ratios using Fidelity Flex funds. No minimum to open. Above $25K costs 0.35% with access to a Fidelity advisor. Best zero-cost option for beginners building their first IRA. Morningstar's #2 robo-advisor pick for 2025.

The largest non-accredited real estate crowdfunding platform. Three tiers: Starter ($10 — REIT access), Basic ($1K — diversified funds), Advanced ($10K — private funds including eREITs and Opportunity Zone Fund). Over $3.3B AUM. 1% all-in annual fee. SEC-qualified. Covers L1 through L3 of the K2P investor roadmap.

Buy fractional shares in individual single-family rentals and vacation properties. No accreditation needed. 945,000+ registered investors. $337M AUM. 533+ properties across 66+ markets. Monthly income distributions. Backed by Jeff Bezos. Four products: individual rentals, vacation rentals, SFR Fund, and Private Credit Fund (8.1%+ target yield).

The only SEC-qualified platform under Reg A+ offering individual real estate loan investing to non-accredited investors. $2.2B+ funded since 2013. 10% avg. annualized returns. Zero investor fees on loans. 6–18 month terms. Flywheel Portfolio auto-diversifies across hundreds of loans. Notes option (4.75–8.25%) for hands-off investors.