Allworth Financial Review 2026: Pros, Cons and How It Compares

• Why trust NerdWallet's reviews: Read our methodology

  Over 60 investment account providers reviewed and rated by our expert Nerds.

  More than 50 years of combined experience writing about finance and investing.

  Hands-on testing of the account funding process, provider websites and trading platforms.

  Dozens of objective ratings rubrics and strict guidelines to maintain editorial integrity.

  How do we review financial advisors?

  All NerdWallet reviews and lists of the best investing products are created by our editorial team of full-time writers and editors, independent of any business relationships. In this case, our investing team's comprehensive review process evaluates and ranks financial advisors, companies that provide financial planning services online or services that connect users to a financial advisor. Our aim is to provide an independent, balanced assessment of providers to help arm you with information to make sound, informed judgments on which ones will best meet your needs. We adhere to strict guidelines for editorial integrity.

  We collect data directly from providers through detailed questionnaires, and conduct first-hand testing and observation through provider demonstrations. The questionnaire answers, combined with demonstrations, interviews of personnel at the providers and our specialists’ hands-on research, fuel our proprietary assessment process that scores each provider’s performance across 14 factors. The final output produces star ratings from poor (one star) to excellent (five stars).

  For more details about the categories considered when rating brokers and our process, read our full methodology.

Where Allworth Financial shines

Everything under one roof. Clients work with a dedicated advisor who will coordinate with in-house experts spanning every aspect of wealth management. Those with $5 million or more in assets under management (AUM) gain access to more estate and tax planning services covered by the annual management fee.

Where Allworth Financial falls short

Who should choose Allworth Financial?

Affluent households looking for holistic services. Allworth financial advisors coordinate with in-house experts covering every aspect of wealth management. So you’re getting depth as well as breadth of services, and your financial advisor can coordinate each piece. But don’t overlook the fact that, like many other financial advisors, Allworth’s fees are highest for those with the lowest AUM. That makes it a better choice for high-net-worth households. Those with $5 million or more will be able to take advantage of the in-depth estate planning and tax planning services included in the AUM fee.

Airline employees. Allworth has some services tailored to airline employees, such as airline and military benefits guidance. The firm works with employees at many major airlines, including Alaska, American, Delta, FedEx, JetBlue, Southwest, Spirit and United.

Allworth Financial at a glance

Reviewed in: March 2026

Period considered: Feb. - March 2026

What to know about Allworth Financial's minimum and account fees

You need at least $250,000 in investable assets to work with an Allworth advisor. But the firm says this account minimum may be negotiated lower or waived completely.

• For holistic wealth management that includes comprehensive financial planning and investment management, Allworth charges an AUM fee of up to 1.5%. Fees scale down to 0.30% as assets increase. As noted above, Allworth declined to share the AUM breakpoints at which fees start to reduce. If the 1.5% rate is applied to a $250,000 portfolio, you’d pay roughly $3,750 annually in AUM fees at that AUM, which is a competitive rate among wealth management firms reviewed by NerdWallet. However, we're not able to fully assess the fee and compare to other firms without detailed information.

• Allworth also provides financial planning only (without asset management) for a flat fee of $2,500, on average. The cost includes four sessions with an advisor and may be higher or lower depending on the complexity of the plan and the amount of assets under management.

If you’re considering Allworth, you’ll want to reach out to the firm in order to compare costs between Allworth and other financial advisors you're considering, based on your investable assets.

Allworth Financial's advisor access

Allworth clients work with a dedicated advisor backed by a supporting team of people who are accessible virtually and in person. (Allworth has offices in 20 states.) Some advisors are certified financial planners (CFPs) or chartered financial consultants (ChFCs) — credentials that require extensive experience and expertise to obtain. We generally suggest working with an advisor holding one of these designations whenever possible.

Allworth advisors may also be attorneys or CPAs; many have investment expertise and hold credentials as chartered financial analysts (CFAs), accredited investment fiduciaries (AIFs) or certified fund specialists (CFSs).

Allworth Financial’s financial planning services

Allworth says it takes a “planning first” approach to wealth management. The firm has an advanced planning team, as well as specialists covering tax, estate planning and insurance. And advisors coordinate and implement plans across these areas, so that each financial decision becomes a piece in a larger puzzle rather than standing alone.

Some services may require paying additional fees or are only available to people over certain asset thresholds.

• Estate planning is available to every client but depth of service depends on AUM. In-house estate planning specialists can analyze your existing plan, make recommendations and oversee the creation of key documents, such as wills, powers of attorney, advanced health care directives and trusts (you may need to pay an estate attorney to actually create these documents). But you must have $1 million or more in AUM to work with Allworth’s senior estate planners. At that level, additional fees apply if you need complex document drafting that would require an estate attorney. For clients with $5 million or more in AUM, Allworth covers up to $3,500 of estate attorney fees every other year.

• Tax planning is offered to all clients and included in their fee. But clients above $5 million get a wealth planner who can do more complex tax planning. 

• Tax preparation and filing is a separate service available at Allworth. The firm offers it at a discount to clients with $1 million or more in AUM; it becomes a complimentary service for clients with $5 million or more.

Allworth also offers specialty services for airline employees, dentists and energy employees. For example, in addition to typical financial advising services, airline employees receive airline and military benefits guidance, as well as survivor and incapacitation assistance.

Other key Allworth Financial features

Portfolio construction

Allworth customizes portfolios for each client by combining a variety of investment options that support your financial plan. It has pre-constructed models with allocation mixes designed to meet your specific risk/reward characteristics. The firm also works with separately managed accounts, alternative investments (e.g., private equity, private debt, private real estate, private infrastructure, etc.), options overlays, bond ladders and individual equity portfolios. (An options overlay is a strategy used to mitigate risk in certain situations, such as when you have a concentrated position in a particular stock.)

Expense ratios will vary by portfolio. Allworth’s primary allocation model has an expense ratio of about 0.11%.

Accounts supported

Allworth advisors can manage any accounts held by its custodians, which include Fidelity and Charles Schwab. That includes taxable accounts, IRAs, trusts and 529s, among others. Advisors can advise or even directly manage most 401(k)s.

Tax strategy

Allworth uses various strategies to minimize taxes and help clients keep more of their wealth. Examples include:

• Year-round automated tax-loss harvesting.

• Direct indexing.

• Roth conversions.

• Tax-favorable strategies for charitable giving, such as donor-advised funds or charitable remainder trusts.

• Optimized wealth transfer strategies, such as 529 college savings plans or irrevocable trusts.

• Tax-friendly retirement withdrawal strategies.

Good to know about Allworth Financial