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Last Updated: 04/18/2025

earthfolio Investment Advisor

in Investment Advisors from earthfolio

Last Updated: 04/18/2025

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Highlights

Minimum Initial Investment

$25,000

Management Fee

0.5%

earthfolio Investment Advisor Review

earthfolio is founded in 2000 and based in San Luis Obispo, CA.

earthfolio Pros & Cons

The Good

The Bad

Broad selection of account types.
Competitive investment expense ratios.

Does not offer low-cost ETFs.
Does not give access to human finance advisors.
Tax-loss harvesting not available.
Limited investment options.

earthfolio FAQ

What fees does earthfolio charge?

earthfolio uses a fee-only model.

This means earthfolio gets paid a flat fee regardless of what financial products or services you use. It also means they have a fiduciary responsibility to their clients. Instead of making money on trades commissions or selling products, they recommend an asset allocation and get paid a flat-fee or a percentage of the assets under administration. That requires that they act in their client’s financial best interest at all times.

earthfolio Investment Advisor Fees

Description

Monthly Service Fee

Annual Fee

Management Fee

0.5%

Fee Based?

What management fees does earthfolio charge?

earthfolio charges an annual management fee that averages out at 0.5%

Many financial advisors charge based on how much money they oversee by using a fee-structure called “assets under management,” or AUM. For instance, a 0.40% fee translates to $4 per year for every $1,000 an investment advisor manages. Management fees, also known as maintenance fees, cover the operating costs of investment advisors and are typically deducted from your account every month or quarter. The management fee does not cover the underlying expense ratios of the investment vehicles purchased by investment advisors.

What are the investment expense ratios of earthfolio?

Hiring an investment advisor with competitive investment fees is one of the most important steps to maximizing your portfolio's performance. Investment expense ratios can vary drastically depending on the types of accounts and assets involved. A survey by the ICI puts the average expense ratio for actively managed funds at 0.76% and indexed funds at 0.08%. The investment expense ratios of an investment advisor will vary depending on the type of assets they invest in and whether they attach additional charges to fund fees.

earthfolio does not charge fees based on an investment expense ratio.

What type of investment accounts and asset classes does earthfolio support?

earthfolio offers the following types of assets and account types.

Accounts Supported

Supported Options

Unsupported Options

Individual Non-Retirement Accounts
Joint Non-Retirement Accounts
Roth IRA
Traditional IRA
Rollover IRA
SEP IRA
Trusts

529 College Savings Plans
Employer Sponsored Plans
Custodial Accounts

earthfolio does not offer any of the investment vehicles that we track.

What is the minimum amount you have to invest to open an account with earthfolio?

The minimum amount to open an account with earthfolio is $$25,000.

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Contact

Headquarters

1308 Monterey Street, Suite 250

San Luis Obispo, CA 93401

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