![]() It can advise on whether saving more can help you retire a little earlier, or if you can still achieve your financial goals with a less aggressive investment strategy. Developed by a team of economists, the planner can give you a comprehensive look at your future based on market factors and what's happening in your life today. Wealthfront helps you understand exactly how life changes will impact your retirement through its Path tool. Whether you buy a house, get a promotion, or grow your family, everything that happens to you right now can play a role in your future. Perfect for: People who aren't ready to hire a dedicated financial advisor, but still want trustworthy advice from an expert when questions arise. The personalized analysis can help keep you on track to hit your goals. ![]() Most notably, the retirement planner takes into account your investments, expected Social Security income, and potential expenses to predict whether you'll have enough saved by the time you leave the workforce. While annual management fees range from 0.49 to 0.89 percent, Personal Capital offers a suite of powerful planning tools that are free for everyone (even if you don't open an investment account with the company). The app gives you the power of algorithms that can rapidly readjust your portfolio in response to market fluctuations, while also offering access to a team of financial advisors who can answer questions via email, phone or chat. How do you decide between cost-effective robo-advisors, or a conventional financial advisor who offers that human touch? With Personal Capital, you don't have to choose. Perfect for: Investors who want to know exactly where they're putting their money and why. But the real appeal of this savings app might be the colorful, streamlined interface that not only makes it easy to manage your accounts, but creates a downright pleasant experience. While Stash charges moderate monthly fees on retirement accounts ($2 for a balance of less than $5,000, or 0.25 percent for higher balances), it waives them completely for customers under 25 years old-perfect for people who want to start investing for retirement at a young age. Every account comes with personalized investment advice in language you can actually understand. You can also open a traditional IRA or Roth IRA, if you'd like to take advantage of certain tax benefits. This app offers step-by-step guidance on building a portfolio of exchange-traded funds (ETFs) and individual stocks that can serve as the basis for your retirement account. New to investing and not sure where to start? Then Stash is for you.
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