What are the fees for Smart Investing?

This is the fee Atomic Invest LLC, an SEC-registered investment adviser, charges to manage your portfolio.

It's an annual percentage of your portfolio value. The fee accrues daily based on your account’s daily market value and is billed monthly. Your rate is determined by your Cleo subscription tier:

These advisory fees are separate from, and in addition to, your Cleo subscription fee and the expense ratios charged by the ETFs held in your portfolio. Consider the total cost of investing, including your subscription plan, when comparing tiers.

Your advisory fee changes with your plan. Each day's fee is based on the plan you're on that day.

When you buy or sell investments, US regulators charge small transaction fees – including SEC fees, FINRA's Trading Activity Fee (TAF), and Consolidated Audit Trail (CAT) fees. Brokerages normally pass these on to investors.

The advisory fee for the Smart Investing account is charged as a wrap fee under the Atomic Wrap Fee Program, which Atomic Invest sponsors. For a managed account, the wrap fee covers Atomic Invest’s investment advisory services and the brokerage costs of the trades placed for your portfolio, such as transaction fees, so you are not charged a separate fee on each trade. It does not cover the fees charged by the ETFs held in your portfolio — those are described in each fund’s prospectus and deducted from the fund’s value, so you pay both the advisory fee and the ETFs’ own fees — or the other charges listed in Atomic Brokerage’s fee schedule, such as wire transfer fees. Full details are in Atomic Invest’s Wrap Fee Program Brochure.

Investment advisory services provided by Atomic Invest LLC. Brokerage services provided by Atomic Brokerage LLC, member of FINRA/SIPC. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal.

Cleo has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account with Atomic. Companies which are engaged by Atomic receive compensation of 0% to 1.15% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and may receive a percentage of margin and free cash interest earned by clients, which creates a conflict of interest. See the Atomic Invest Promoter Disclosure Statement.

Brokerage services for Atomic are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA/SIPC and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic Invest, please see the Form CRS, Form ADV Part 2A, and Privacy Policy. For more details about Atomic Brokerage, please see the Form CRS, General Disclosures and fee schedule. Check the background of Atomic Brokerage on FINRA’s BrokerCheck.

Neither Atomic Invest LLC nor Atomic Brokerage LLC, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and fees and expenses charged. Advisory services through Atomic are not to be construed as tax advice or financial planning and do not take into consideration investments that clients may hold outside of Atomic.

Before investing in an ETF, you should read the prospectus, which provides detailed information on the ETF’s investment objective, principal investment strategies, risks, costs, and historical performance (if any), among other things. Prospectuses can be found on the ETF issuer’s website. ETFs are bought and sold at market price, which can vary from the Net Asset Value of the fund. Rebalancing and other fund activities may result in tax consequences.

This content is for educational purposes only and is not intended as investment advice or a recommendation of any specific investment or strategy.