Arta Finance review 2026

Wealthy investors who want private funds

Wealthy investors who want private funds fit Arta, which only takes what the SEC calls accredited investors. You're one if your net worth is over $1 million without counting your home, or if your income was over $200,000, or $300,000 with a spouse or partner, in each of the last two years.² A Series 7, 65, or 82 license in good standing also qualifies.

Some funds require you to be a qualified client or qualified purchaser too, though Arta may waive these tests.

Tech employees holding a lot of company stock

Tech employees holding a lot of company stock can fund Arta's direct indexing, from $25,000, with shares they already own at no extra Arta fee. Direct indexing means you own an index's stocks directly, so you can sell single losers for a tax loss. Arta's Tax-Smart Portfolio Transition sells a concentrated position over time, using those losses against the gains.

Investors who pick their own deals

Investors who pick their own deals get self-directed private funds, structured notes, and options, per the Form CRS. Each fund has an investment memo in the app, with a data room section.

Arta Finance pros

• No membership or account fee, and robo-investing at 0.10% a year
• Private equity, credit, real estate, venture, and hedge funds from one app
• Direct indexing from $25,000, funded with shares you already own
• Assets held in your name at Pershing, a BNY company, with SIPC protection up to $500,000
• Salaried advisers who earn no commissions, per the Form CRS

Arta Finance cons

• Open only to accredited investors
• The help center asks for $100,000 within your first 12 months
• Arta's private fund fee comes on top of the manager's fee
• No ongoing account monitoring unless you ask for it
• Private funds and structured notes can tie up money for years

Fees by product

Arta's fees by product are listed below.

Arta takes these fees from your account quarterly in arrears, per its Form CRS.

Here is one year of Arta's fee in dollars next to Wealthfront's 0.25%, before fund expenses.

A $100,000 private fund commitment costs $500 to $900 a year in Arta's fee alone, and each fund's memo lists the manager's own fees on top.

BNY Pershing, the custodian, charges its own fees, which the pricing page doesn't list. Paper statements cost $2 each. The SEC's fee of $8 per $1 million sold comes out of sale proceeds.

Arta's US pricing page and Form CRS list no subscription tier. If you only want a managed portfolio, compare the best robo-advisors.

Minimum investment

The minimum investment for Arta Finance is $100,000 within your first 12 months, according to its help center, and $25,000 for each AI-Managed Portfolio.⁴

Arta's Form CRS, dated March 31, 2026, lists a $500 minimum account size and says Arta can waive minimums. Private funds set their own minimums, shown in each fund's memo.

Before you fund the account, ask Arta in writing what happens if you don't reach $100,000 in 12 months, since the help center doesn't say.

AI-managed portfolios

Arta's AI-Managed Portfolios (AMPs) include robo-investing, Defensive Growth, Income Bonds, micro-indexes, and direct indexing. Arta manages them with discretion, and its own algorithms generate and sometimes place the trades.

Arta opens two Pershing accounts: a self-managed one where cash sits in a money market fund, and a full-discretion one for AMPs.

The Form CRS says Arta doesn't monitor accounts on an ongoing basis as a standard service, though its investment team will on request, so ask when you join.

Private funds

Arta's private funds are ones you choose from a list Arta curates, and each manager decides when a fund opens or closes. Each fund sets its own minimum and fees, shown in its memo.

Structured notes and options strategies

Structured notes combine a bond with options to target a set payoff, and Arta offers them from $25,000 at a 0.50% annual fee. Listed options strategies cost 0.20% of the underlying stock.

Arta's own guide to structured notes says a note depends on the issuing bank's credit, terms run from months to a few years, and exiting early can mean a loss.

High-yield cash account

Arta's high-yield cash account, the High-Yield Cash Reserve, holds Treasury ETFs for a 0.20% Arta fee. Arta's disclosures put its estimated APY at 3.53% on October 5, 2026, net of fees, and its Treasury income is exempt from state and local tax.

The reserve is an ETF investment, so FDIC insurance doesn't cover it. Compare the best high-yield savings accounts.

AI tools and human advisors

Arta's AI tools are three agents: an Investment Specialist that suggests an allocation, a Product Specialist that answers product questions, and a Research Analyst that scores an investment theme. Arta's AI page lists no price and says Arta AI isn't broadly available to the general public.

Check any AI answer before you trade on it. Arta's salaried investment professionals are available on request.

Arta Finance vs Wealthfront

Arta Finance vs Wealthfront is a choice between a product shelf for accredited investors and a 0.25% robo-advisor anyone can open. On $250,000, Wealthfront costs about $625 a year, and Arta costs $250 to $1,250 depending on the product; our Wealthfront review has the details.

Arta Finance vs Range

Arta Finance vs Range is a choice between paying by product and paying a flat fee for advice. Range charges $3,950 to $12,500 a year for a team of advisers, with tax filing on its top plan. For an SEC-registered adviser delivered only as an app, see our Mezzi review.

To price Arta for yourself, list the products you'd buy, multiply each balance by its fee, and add the fund managers' fees from each memo. Then project the balance you'll have in five or ten years with the Tweed Retirement Calculator, since a percentage fee grows with the account.