Range Review 2026: Pros, Cons and How It Compares

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Where Range shines

Services with high-earning households in mind: At its Platinum and Titanium tiers, Range provides some business tax planning, real estate investment planning, complex equity compensation planning and tax filing that includes reporting on foreign assets and investment properties. Want to retire abroad? They’ll help you with that, too (at the Titanium level). It's a list of services that seems tailor-made for high-earning, entrepreneurial households that want to streamline their financial services.

Combined expertise of human, AI advisors. Range clients work with a team of advisors whose expertise varies, so there’s always someone with specialized knowledge helping to build your financial plan or answer questions. You also get access to Rai, a proprietary AI wealth advisor that’s trained on your portfolio and Range’s investment methodology.

Where Range falls short

Who should choose Range?

High earners with complex income and tax needs. Range’s services are tailored to couples and families with multiple income sources (businesses, rental properties, paychecks, equity compensation, etc.) and complex planning concerns (e.g., working or retiring overseas).

AI early adopters. Range recently introduced Rai, its AI wealth advisor, which is trained on your portfolio and the company’s investment methodology. Clients can get financial advice from Rai in addition to speaking with a human advisor team. Eventually, Rai could become Range clients’ primary advisor.

Range at a glance

Note: Range’s star ratings are based on the service's mid-tier Platinum offering, which is most like other full-service financial advisor firms we review in this space.

Reviewed on: March 2026

Period considered: Feb. - March 2026

What to know about Range's account minimum and fees

Range doesn’t require an account minimum. That makes it accessible to households with complex financial planning needs that don’t yet have enough investable assets to work with a traditional financial advisor (many require at least $250,000 of investable assets before they’ll work with you).

To work with Range, clients pay an annual flat fee. Paying for a higher tier unlocks broader and more specialized planning services, which means clients pay for the level of service that they need. Range’s middle Platinum tier most closely resembles the other full-service financial advisors we review.

To compare the cost of Range with similar services and traditional financial advisors, it helps to translate its flat fee into a percentage of assets under management. If you paid a 1% AUM fee, which is the industry average, you’d have to have $595,000 in investable assets for Range’s Platinum tier price to make sense.

Generally, flat-fee pricing favors investors with higher balances. Under an AUM model, the fee scales with your portfolio. But a flat fee automatically becomes a smaller and smaller percentage of your assets as they grow.

Range's advisor access

Range clients work with a “pod” of advisors made up of certified financial planners (CFPs), chartered financial analysts (CFAs) and tax professionals. When questions arise, Range will funnel you to the team member within your pod that can best answer them. Specific areas covered by Range experts include investment strategies, equity compensation, taxes, real estate, cryptocurrency and others.

So, while you’ll work with the same group of advisors over time, who you speak with one-on-one in any given meeting will depend on the specific questions you have or areas you want to discuss. If you want to discuss tax strategy, you’ll meet with the tax expert; but you may meet with someone different if you have an investment question.

In October, Range launched Rai, a proprietary AI wealth advisor, which clients can chat with at any time. Rai is trained on members’ portfolios, as well as the firm’s underlying investment and advisory philosophies. Rai is being embedded across the client experience and clients must agree to use Rai when they sign up with Range. The firm says that human advisors are reviewing financial plans and tax strategies and serve as a backstop to the AI advisor.

Clients who prefer to speak to a human advisor will continue to have that option, though they might have to pay additional fees for it sometime in the future, Range co-founder Fahad Hassan told NerdWallet.

Range’s financial planning services

Range Financial’s planning services vary based on service level. The table below shows the financial planning services you gain access to at each tier.

With Range, clients have the option to forgo investment management but can still get investment planning and advice, as well as connect accounts to the firm’s platform to get a full picture of their finances in one place.

What’s included with estate planning varies between tiers. Premium tier clients can get existing estate plans reviewed or get guidance on estate plan creation if they don’t have one in place. To create new estate planning documents, such as a will or a trust, you’d pay an extra fee. However, at the higher service tiers, the annual fee covers document creation. In addition to drawing up a will or creating a trust, the annual fee covers power of attorney and medical directive document creation.

Tax filing is not a typical service offered by financial advisors. At Range, Platinum tier clients can get help filing federal and state returns, as well as with more complex tax filing requirements involving foreign assets and investment property income. Services expand even more for Titanium clients.

Range offers some business advisory services for single-person entities filing Schedule C tax forms.

Other key Range features

Portfolio construction

If you want Range to manage your investments, you have to move your assets to its custodian, Altruist. All clients can access fully customized portfolios that are managed by Range’s in-house investments team. For example, if a client’s existing portfolio is concentrated in a single stock due to equity compensation from an employer, Range will build an investment plan around that; or if someone has a strong ESG preference, Range will take that into account.

Portfolios may include any publicly traded security — including mutual funds, ETFs, equities, fixed income securities and other securities — that aligns with Range’s investment methodology. The company says key principles include integrating portfolios with a client’s financial plan, customizing on a client-by-client basis, using evidence-based investment strategies and keeping fees and taxes low.

Accounts supported

Range can actively manage a wide range of account types, including:

• High-yield savings accounts.

• Individual, joint, trust, business accounts.

• Taxable brokerage accounts.

• Retirement accounts: Traditional IRAs, rollover IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs, solo 401(k)s, Roth solo 401(k)s, inherited traditional IRAs, inherited Roth IRAs.

• Minor accounts: UTMA/UGMA, Roth IRA for minors, traditional IRA for minors.

Range can advise on 529s and 401(k)s but can't actively manage them.

Tax strategy

Range advisors will use asset location, tax loss harvesting, direct indexing and other specialized tax strategies. But some of these are only available at higher service levels.

• Asset location: This is a basic part of Range’s investment planning. Advisors will determine where to place assets to optimize current and future tax liability while adhering to a client’s risk profile.

• Tax loss harvesting: All clients have access to daily tax-loss harvesting managed by Range’s in-house investments team. Technically, there’s no account minimum requirement, but Range says it works best on taxable portfolios over $100,000.

• Direct indexing: Range offers direct indexing for U.S. large-cap, mid-cap, small-cap and international stocks. 

• Specialized strategies: Range also handles complex needs like equity compensation planning, Roth conversions and K-1 tax filing at the Platinum and Titanium tiers.

Good to know about Range

Range Financial was founded in 2021 by Fahad Hassan and David Cusatis. The initial goal was to provide software to high-earner households that lets them manage their own finances the way a financial advisor might — something more sophisticated than a spreadsheet but still DIY. The company started offering comprehensive wealth management after noticing users wanted personalized financial advice.

AI advising came into the picture more recently. Range says Rai underwent months of testing and regulatory approval before it launched in October. In November 2025, the company announced it had raised $60 million in Series C funding that it’ll use to further develop its AI wealth advisor^[1]. According to Hassan, Range is “making a big bet” that AI advising is the future of the industry. Hassan told Barron’s he thinks AI will replace all wealth advisors not serving Baby Boomers in the next decade^[2].

As a young, AI-forward company, Range’s services and pricing likely will continue to change (in one recent example, it got rid of semi-annual pricing options in favor of yearly prices). Its tech is sleek but, with less than five years as a registered investment advisor, its track record is thin. While that makes it a potentially riskier option, it could be a good fit for you if you’re ready to go all-in on AI.

Is Range right for you?

Range Financial may be right for you if you’re a high-earning, wealthy household that has complex financial planning needs and wants to work with an AI advisor.

Range is designed specifically for high earners that are amassing wealth from a variety of income sources (businesses, rental properties, paychecks, equity, etc.), setting goals with a partner, building a life for their family and looking to consolidate financial services under one roof. For high earners or wealthy households that lack that complexity, Range’s high prices may not be justified.