7 best AI financial advisors for 2026

Best overall: Mezzi

Ideal for

Consider Mezzi if you hold accounts at three or more firms and want advice across all of them from a registered adviser at a fixed yearly price.

Our take

Mezzi has been an SEC-registered adviser since September 25, 2025, under CRD 337818, and it never holds your money. The free plan connects every account and runs its X-ray risk analysis, with a set number of AI questions every 30 days. Advisory costs $39 a month or $399 a year and adds unlimited tax, retirement, and investment advice, and Concierge costs $99 a month or $999 a year.²

Advisory also includes support by video, phone, and email, and Concierge adds quarterly coaching check-ins. At $399, Advisory costs less than a 1% advisory fee once your balance passes $39,900. The Mezzi review covers each plan, and Mezzi vs CFO Silvia is the closest head to head.

Pros

• SEC-registered with a public Form ADV
• Free plan that connects every account
• Flat price at any balance

Cons

• Can't place trades for you
• Free plan limits AI questions
• Coaching check-ins only on the $999 plan

Best free AI financial advisor: Evergreen.ai

Ideal for

Consider Evergreen.ai if you want personalized advice from a registered firm and don't want to pay for it.

Our take

Evergreen.ai is a service of Evergreen Wealth Advisors, an adviser registered with the SEC since November 8, 2023. People who register during the public beta get free access through January 1, 2028, with no credit card, and the site doesn't say what it costs after that date. You type questions in the app or on the website, and it gives personalized advice once you link accounts through Plaid.

Its Form CRS says Evergreen.ai doesn't recommend specific investments or trade for you. The firm's separate managed program starts at $100,000 and charges 0.39% a year on the first $1,000,000, and the CRS says the firm is "motivated to help you invest more with us." The Evergreen.ai review covers the beta terms and what the app won't do.

Pros

• Free through January 1, 2028 for beta sign-ups
• Advice from an SEC-registered firm
• Your money stays where it is

Cons

• Doesn't name specific investments
• The firm earns from its managed program
• No published price after the beta

Best for advice by text or phone: Astor AI

Ideal for

Consider Astor AI if you'd rather text or call an adviser than open an app, and you'll ask often enough to use a paid plan.

Our take

Gaus, Inc., which does business as Astor, has been an SEC-registered adviser since February 5, 2026, under CRD 338424. Its Form CRS dated August 18, 2026 lists Pro at $14.99 a month or $119.99 a year and Max at $39.00 a month or $379.99 a year, with no account minimum. Its App Store listing adds a free tier with limited chat and voice and shows some lower Pro and Max prices, so check the price at checkout.

You can chat with Astor in the app, talk to it by voice, or text it from Messages. The Form CRS says Astor doesn't place trades or rebalance your accounts, and Pro costs less than a 1% fee above about $12,000. The Astor AI review sets out each price and what the plans include.

Pros

• Answers by text or voice call
• SEC-registered, with no account minimum
• Never holds your money

Cons

• Registered only since 2026
• Its own pages list different prices
• Free tier limits chat and voice

Best for investment research at a low price: Magnifi

Ideal for

Consider Magnifi if you pick your own investments and want AI research and portfolio checks across your brokerages for the lowest paid price here.

Our take

Magnifi LLC has been an SEC-registered adviser since July 1, 2020, under CRD 309397, the longest record of these seven.³ The free plan connects your investment accounts and shows your full portfolio, and Premium costs $14 a month or $99 a year. At $99 a year, Premium costs less than a 1% fee above $9,900.

The app holds 3.9 stars from 417 ratings on the App Store. It covers investments only, so it won't track a budget or a house. The Magnifi review covers those reviews and what Premium adds.

Pros

• Premium costs $99 a year
• A free plan that connects your brokerages
• SEC-registered since 2020

Cons

• Investments only, not budgets or property
• Monthly billing costs $168 a year
• Mixed App Store reviews

Best for tracking every asset: CFO Silvia

Ideal for

Consider CFO Silvia if you want one app watching your accounts, property, crypto, vehicles, and debts, and you don't need a registered adviser behind the answers.

Our take

CFO Silvia, now branded Silvia, isn't on the SEC's adviser register. Its site footer says "Any information provided by Silvia is for educational purposes only. Not financial advice." That's the main difference from the four picks above.

The free plan needs no card. Pro costs $20 a month, or $17 a month billed yearly, and Max costs $200 a month.⁴ Its Radars keep checking your accounts between conversations.

The CFO Silvia review covers each tier, and CFO Silvia alternatives lists registered options.

Pros

• Tracks property, crypto, and vehicles as well as accounts
• Free plan with no card
• Ongoing checks through Radars

Cons

• Not a registered adviser
• No fiduciary duty behind the answers
• Max costs $2,400 a year

Best for budgeting with an AI advisor: Origin

Ideal for

Consider Origin if you want budgeting, net worth, forecasting, and an AI advisor in one app, with a partner on the same account.

Our take

Origin's AI Advisor runs through Origin Investment Advisory LLC, CRD 305353, registered with the SEC since January 2021 through its predecessor, Blend Financial. New members pay $1 for the first year, then $99 a year, under a limited-time offer with no end date given. Sessions with a Certified Financial Planner cost extra.

Origin can also hold and invest your money, in taxable accounts only. The Origin Financial review covers the renewal price and what leaving costs.

Pros

• Budgeting and partner access built in
• $99 a year after the first year
• Registered advice through its adviser affiliate

Cons

• Human CFP sessions cost extra
• Investing accounts are taxable only
• No direct tax filing after 2026

Best for an AI assistant backed by advisors: Range

Ideal for

Consider Range if you have a large managed balance and want an AI assistant for quick questions with CFPs and CFA charterholders behind it.

Our take

Range Advisory, LLC is SEC-registered under CRD 321969 and charges a flat $3,950, $5,950, or $12,500 a year for its Premium, Platinum, and Titanium plans, with no asset-based advisory fee. Its AI assistant, Rai, works alongside the advisor team, and CPAs join from Platinum. Brokerage, custodian, and other third-party fees can apply on some strategies.

Premium costs less than a 1% fee once your balance passes $395,000. The Range review covers each plan and what the advisors handle.

Pros

• Advisors manage your money
• Flat fee at any balance
• CPAs and tax help from Platinum

Cons

• $3,950 a year at the lowest plan
• Third-party fees on some strategies
• Costs more than a 1% fee below $395,000