You Are a Retail Investor. Now Let's Level Up.

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.

Premium robo-advisor with 0.25% annual fee, daily tax-loss harvesting, direct indexing for accounts over $100K, and a 529 college savings plan. NerdWallet's top-rated robo-advisor for portfolio options in 2026. Best for tax optimization. Suits retail investors ready to automate $500+ and sophisticated investors scaling taxable accounts.

Low-cost automated portfolio management using Vanguard's Life-Cycle Investing Model. Reduced minimum from $3,000 to $100 in 2024. Morningstar's #1 robo-advisor pick for 2025. Includes CFP access at $50K+. Best for long-term, buy-and-hold retail investors who trust Vanguard's index fund philosophy at the lowest cost.

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.

Fractional shares in individual curated rental properties across 10+ U.S. states. Lowest minimum for direct property ownership. Zero AUM fees. Monthly dividends starting ~30 days after investment. Secondary market liquidity via PPEX ATS after 12-month hold. Ark7 co-invests 1–20% of its own capital alongside investors in every property.

Blockchain-based fractional real estate on the Algorand network. Buy property tokens at ~$50. Daily rental income distributions in USDC stablecoin — the most frequent payout in fractional real estate. 24/7 peer-to-peer secondary market for continuous trading. $5.2M+ in cumulative rental income distributed. Open to U.S. and international investors.

Non-accredited-accessible commercial equity REIT with institutional-quality office and industrial assets. 30+ consecutive quarters of dividend payments. Avg. annualized yield 7–8% since 2017. Transparent 2% annual management fee. One of the few platforms opening true commercial real estate exposure to retail investors without accreditation.

SEC Regulation A+ qualified platform for fractional ownership of individual commercial buildings — office towers, parking structures, and mixed-use properties. Secondary market enables buying and selling shares like stocks, providing CRE liquidity typically unavailable to non-accredited investors. Bridges retail investors into institutional-quality commercial assets.

Self-directed brokerage where you build custom portfolios of stocks and ETFs. You set the allocations and M1 handles automatic rebalancing. Commission-free. FINRA and SIPC member. Over $12B AUM. 1 million+ users. No financial advisors — full investor control. Best for retail investors ready to own a diversified portfolio strategy without paying advisory fees.

Two non-traded REITs open to non-accredited investors: the Income REIT (9.21% lifetime avg. annual return) and the Apartment Growth REIT (8.08%). 212,000+ investors and $3.1B in financed properties. Private placements require Accredited status. Note: evaluate current redemption availability before investing.