Robo-Advisory

Automated Investing Built to Strengthen Relationships and Retain Assets

Unifimoney’s Robo Advisory enables community banks and credit unions to offer automated, professionally managed investment portfolios to their account holders, helping them invest toward long-term financial goals while keeping assets and engagement within your institution.

Your partner in digital wealth management

What Your Account Holders Can Do

Unifimoney’s Robo Advisory solution enables your account holders to participate in automated, professionally managed investing, supporting long-term financial wellness while strengthening engagement with your institution.

Invest Automatically Each Month

Account holders can set up recurring monthly contributions, encouraging consistent saving habits and long-term participation through disciplined investing.

Make One-Time Lump Sum Investments

Account holders can invest lump sums at any time, providing flexibility for bonuses, savings milestones, or changing financial needs.

Build a Portfolio Aligned to Risk Tolerance

Each account holder is matched to an investment portfolio based on their individual risk profile and financial goals, determined through a short onboarding assessment.

Participate with Small or Large Balances

Account holders can begin investing with small amounts and scale contributions over time, supporting accessibility across income levels and life stages.

Adjust Goals and Risk Profiles Over Time

If financial goals or risk tolerance change, account holders can update their profile and their portfolio will automatically adjust to reflect the new strategy.

Invest Toward Long-Term Goals with Disciplined Investing

Automated contributions and diversified portfolios support dollar-cost averaging and reduce timing risk associated with market volatility.

Key Features

Risk-Based Portfolio Matching

A guided onboarding process assesses each account holder’s risk tolerance and financial goals, assigning them to an appropriate diversified investment portfolio.

Professionally Managed ETF Portfolios

Portfolios are designed and monitored by the Unifimoney Investments Team and invested across low-cost ETFs diversified across sectors and asset classes.

Automated Investing and Contributions

Recurring monthly investments and one-time deposits are automatically invested into the selected portfolio.

Ongoing Monitoring and Rebalancing

Portfolios are continuously monitored and rebalanced on a regular basis to maintain alignment with target allocations as markets and account balances change.

Low-Cost Advisory Structure

Advisory services are provided at an annual fee of 0.30% of assets under management, helping remove barriers to entry while supporting sustainable program economics.

Institution-Grade Regulatory Framework

Investment advisory services are delivered through an SEC-registered investment advisor, with assets held by regulated brokerage partners providing SIPC protection on eligible accounts.

Built for Modern Financial Institutions

Unifimoney’s Robo Advisory solution is designed to deliver strategic value to financial institutions while supporting long-term financial wellness for account holders.
Retain Assets. Deepen Relationships: Keep deposits and investment activity inside your institution, not third-party apps.
Expand Financial Wellness Without the Overhead: Offer investing without building or staffing an advisory team.
Drive Digital Engagement That Sticks: Recurring investing keeps members active and connected to your platform.
Unlock Sustainable Non-Interest Income: Add scalable advisory revenue within a compliant, low-cost model.
The Unifimoney Robo-Advisor Investment Product and the Self-Elected Investment Product are provided by Unifimoney RIA QOZB, LLC, and SEC-Registered RIA. Digital Assets and Precious Metal Products are offered by Unifimoney Tech QOZB, LLC
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Please see below for important legal and regulatory information.

For more information on Unifimoney RIA please see the Finra Broker Check page here
To view our Form CRS click here
To view our Form ADV part 2 click here

Investments in securities through the Unifimoney Tech QOZB, LLC and Unifimoney RIA QOZB, LLC account are:
Not FDIC Insured | May Lose Value | No Bank Guarantee

Frequently asked user questions

What is Robo Advisory?

How are portfolios constructed?

How often are portfolios rebalanced?

Are human financial advisors involved?

Can customers change portfolio models?

Stay up to date on unifimoney news and product updates

© Unifimoney 2025 -- All rights reserved.

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Privacy PolicyTerms of ServiceUnifimoney RIA QOZB, LLC DisclosuresUnifimoney RIA QOZB, LLC Form CRSLegal LibraryAccessibility StatementSOC2 Compliance

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our Legal Library for important details.

Investment advisory services are provided by Unifimoney RIA QOZB, LLC, an SEC-registered investment advisor. For important information and disclosures relating to the robo-investment account, visit https://www.unifimoney.com/legal.

Free and simple tools are available to research firms and financial professionals at https://adviserinfo.sec.gov/ or INVESTOR.GOV/CRS, which also provides educational materials about broker-dealers, investment advisors, and investing.

‍Bank Products: Unifimoney is not a bank. The Cash Account is provided by First Fidelity Bank (FFB) www.ffb.com member FDIC. The cash balance in the Cash Account may earn a variable rate of interest and is eligible for FDIC insurance. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Cash deposits are not covered by SIPC.

Brokerage account services are offered through Apex Clearing and Custody, Inc. ("Apex"), a registered broker dealer, member of FINRA and SIPC. Your cash and investments are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Deposits at Apex are NOT deposits or other obligations of and are NOT guaranteed by First Fidelity Bank. Not FDIC insured-May lose value.

Digital Asset Products: Investing in digital assets involves risk, including risk of loss. Digital assets are highly volatile, can become illiquid at any time, and is for investors with a high-risk tolerance. Investors in digital assets could lose the entire value of their investment. Custody and trading of digital assets are provided by Gemini Trust Company, a New York State-chartered limited liability trust company. Digital assets are not insured by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation (“SIPC”)." and is NOT a deposit or other obligation of FFB Bank

Precious Metal Products: Precious Metal trading is offered through GBI, a New-York-based precious metals dealer. Deposits at GBI are NOT deposits or other obligations of and are NOT guaranteed by First Fidelity Bank NOT FDIC insured.

The articles and research support materials available on this site are educational and are not intended to be investment or tax advice. Unifimoney does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Unifimoney's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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• You must be a Shop Your Way member to be eligible for this promotion. Membership is free. Sign up here.
• Must be a new Unifimoney customer and pass KYC (verification) processes for all partners to be issued an account.
• Existing Unifimoney customers are not eligible at this time.
• You must fund your account using Astra and/or P2P transfer.
• Users must hold at least $100 initial funding, at least $100 in crypto, at least $100 in metals, and at least $100 in equities in their account for more than 60 days.
• All missions must be completed within 30 days after account registration and before the offer expires.


**Terms and Conditions of the Shop Your Way Missions Promo. Offer only available to users who have previously created an account with Shop Your Way. Offer only available to US residents (excluding residents of Hawaii). Limited time offer. Promotion begins on PLACEHOLDER and may end any time at the discretion of Unifimoney. Offer not available to new users who were not referred to Unifimoney through the Shop Your Way referral program. Offer not available if a Unifimoney account was previously opened using the same(or different) contact information. Limitations exist on max payout per user at the discretion of Unifimoney. Rewards will be recognized on a mission-by-mission completion basis. First Mission must be completed before an account is credited with a reward. Eligible customers must complete all missions in order to receive the max reward. Max payout requires the opening of an account,  funding of said account, and completion of all Missions set forth by Unifimoney Inc. before the end of the promotional period. The promotional period is determined at the sole discretion of Unifimoney. Unifimoney may update the terms and conditions for eligibility at any time. Rewards distribution will be in Gemini dollars (GUSD) and credited, if applicable, to your Unifimoney cryptocurrency account and is tradable only within the Unifimoney app. Reward recipients are able to convert GUSD to BTC immediately. Conversion of GUSD to Cash may take two or more days to reflect. No refunds are available. Users may contact Unifimoney at appsupport@unifi.money with further questions.
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• You must be a Shop Your Way member to be eligible for this promotion. Membership is free. Sign up here.
• Must be a new Unifimoney customer and pass KYC (verification) processes for all partners to be issued an account.
• Existing Unifimoney customers are not eligible at this time.
• You must fund your account using Astra and/or P2P transfer.
• Users must hold at least $100 initial funding, at least $100 in crypto, at least $100 in metals, and at least $100 in equities in their account for more than 60 days.
• All missions must be completed within 30 days after account registration and before the offer expires.


**Terms and Conditions of the Shop Your Way Missions Promo. Offer only available to users who have previously created an account with Shop Your Way. Offer only available to US residents (excluding residents of Hawaii). Limited time offer. Promotion begins on PLACEHOLDER and may end any time at the discretion of Unifimoney. Offer not available to new users who were not referred to Unifimoney through the Shop Your Way referral program. Offer not available if a Unifimoney account was previously opened using the same(or different) contact information. Limitations exist on max payout per user at the discretion of Unifimoney. Rewards will be recognized on a mission-by-mission completion basis. First Mission must be completed before an account is credited with a reward. Eligible customers must complete all missions in order to receive the max reward. Max payout requires the opening of an account,  funding of said account, and completion of all Missions set forth by Unifimoney Inc. before the end of the promotional period. The promotional period is determined at the sole discretion of Unifimoney. Unifimoney may update the terms and conditions for eligibility at any time. Rewards distribution will be in Gemini dollars (GUSD) and credited, if applicable, to your Unifimoney cryptocurrency account and is tradable only within the Unifimoney app. Reward recipients are able to convert GUSD to BTC immediately. Conversion of GUSD to Cash may take two or more days to reflect. No refunds are available. Users may contact Unifimoney at appsupport@unifi.money with further questions.
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