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Answers to Frequently Asked Questions

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  • How does adaptInvesting work?
    adaptVest helps you manage your money through guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest. Our team of investing experts make decisions about our adaptCORE portfolios and fund selection. More than just a portfolio management team, our team works to develop improvements to our tax intelligent rebalance, and other advanced strategies.
  • How do I open an account?
    Opening an account is easy and takes a few minutes. Click on the "Get Started" button at the top of the page and we'll guide you through the account opening in a few easy steps. We'll ask a few questions about you when you sign up. Then, we'll help you set financial goals and set you up with investment portfolios for each goal. Once completed we'll review your information, give you login information have you e-sign account enrollment paperwork.
  • What types of accounts can I open?
    We currently support taxable investment accounts including taxable individual, joint, UTMA, UGMA and trust accounts. We also support retirement accounts like Traditional IRAs, Rollover IRA's, Roth IRAs and Simplified Employee Pension (SEP) IRAs, IRA transfers, 401(k) rollovers, and Coverdell Education Savings Accounts (alternative to 529 plans).
  • Where will my investment accounts be held?
    When you invest through adaptInvesting, your account and assets will be held at APEX clearing, one of the most trusted custodians in the industry, with responsibility for the safety and security of hundreds of billions of dollars in client assets. We manage your investments in accounts in your name, not ours, so you know that whatever happens, your money is safe, and always accessible through a third party.
  • What is the minimum account size?
    Our stated minimum is $10,000 across all your accounts. This minimum can be waived when you set up an account with automatic deposits.
  • How much do you recommend I invest?
    We believe it is prudent to have a "rainy day" fund in a FDIC insured bank account to cover about 6 months of expenses to handle any unforeseen events (e.g., unemployment, medical, etc.). We believe the rest of your money should be invested for the long-term in stocks, bonds and real estate.
  • Can I open multiple accounts?
    You are welcome to open as many accounts as you would like. Many of our clients like to open dedicated accounts for each of their savings needs such as buying a house, financing their kids’ college, and saving for retirement.
  • I'm afraid I'll get locked into something.
    No worries. Investing involves risk but cancelling your account shouldn't. Cancel your account at anytime without penalty. In fact, cancel in the first 30 days and we'll give a full refund of any advisory fees you paid us.
  • How do I transfer an account?
    You can either do it online or contact us at We have an easy form for you to complete. Once complete full or partial account transfers take a matter of days.
  • Can I just transfer a portion of an existing account?
    Yes, we can complete a partial account transfer, just contact us at or 800.433.0422.
  • I have more than one IRA account, can I transfer them over to you?
    Yes. We can consolidate multiple IRA's, and 401k's into a single account. Please open an IRA account on our website and select the option to transfer an existing account. Complete the information and your IRA will automatically transfer in a matter of days.
  • Can you manage my 401(k)?
    Yes. If you are no longer with your employer we can transfer your 401(k) to a rollover IRA. If you are currently employed, we offer a premium service to manage the investments within your 401(k) account. Please contact us at or 800.433.0422 option 1 for more information.
  • Is there someone I can talk to, or is everything online?
    Of course, if you don't want to communicate through the chat bot in the lower left hand screen or by email, give us a call at 800-433-0422 option 1. We pride ourselves on staying ahead of the curve while providing a great customer experience. Our client relationship team along with our investment committee are ready and available to discuss any question or concern you may have.
  • How do you determine what are the right mix of investments for me?
    We determine your Risk Profile Score using our proprietary scoring system which : Risk Capacity: Identifies your financial wellbeing and timeframe. Capacity measures the ability for you to endure market swings, and still achieve your goals. Risk Objective: Measures your expectation for investment performance relative to your needs. Risk Tolerance (psychometric): How emotionally comfortable are you with taking risk?
  • What will you invest my account in?
    We typically use exchange-traded fund (ETF) in our client accounts. An ETF is an investment fund that is traded on stock exchanges throughout the trading day, much like stocks and unlike mutual funds. An ETF holds assets such as stocks, commodities, or bonds, and trades close to its net asset value over the course of the trading day. Most ETFs track an index, such as the S&P 500 or Russell 2000. We evaluate thousands of ETFs for attractive investments based on their low cost, tax efficiency, and stock-like features.
  • How is this different from the other online investment services?
    We believe accountability is our key differentiator, both in the way we manage our client's investments and the relationships with them. We understand that this is your hard earned money. We don't just buy-and-hold investments. We are constantly looking for investment opportunities and threats and adjust your account accordingly. We invest your accounts with the same care that we do our family's and our own. Second, our customer service approach is "old school", we don't have a remote call center or confusing automated phone tree labyrinth . When you call, you'll get a live voice quickly to get you the answers you need. In fact you can call and ask to talk to the decision makers that are investing your account directly.
  • What is tactical or active investment management?
    Tactical or active investment management strategies actively adjust a portfolio's asset allocation in response to the investment market environment and volatility. The goal of a tactical or active investment strategy is to improve the risk-adjusted returns of passive management investing. It involves a continual management of risk through frequent portfolio rebalancing to a flexible asset allocation target. Tactical or Active investment strategies rely on continuous research to seek high total returns during constructive economic environments while maintaining a preservation approach during protracted market downturns. Simply put, tactical or active investment strategies look to sell when the market is high and buy when it is low. An example would be selling stocks in early to mid 2008 and buying them back in early to mid 2009.
  • How often do you trade?
    We like to stay invested growing your money. Over the course of a given year we typically make 3-6 allocation changes a year. Our investment strategies are more active than a strategic or passive investment strategy that rebalances quarterly, but we are far from day traders.
  • Are there fees associated when you trade?
    Through your service agreement with APEX clearing your account will be charged a monthly fee that allows us unlimited trading of exchange traded funds and U.S. publicly traded stocks for no additional fees. The combination of APEX's and adaptVest's advisory fee is no more than 0.05% per month.
  • How does this compare to target-date funds?
    Target date funds do not take the investor’s specific risk tolerance into consideration when choosing an asset mix other than giving investor's an estimated retirement year. Because only retirement age is taken into consideration the investment risk's targeted by the fund may not be appropriate for any given investor. Our approach is to build portfolios that consider time horizon as one of many different criteria, (e.g., age, savings, financial objectives, investment experience, pain threshold), The other main difference with regard to investment methodology is that whether an aggressive investor or conservative, we look to protect account values during protracted market downturns (e.g., 2008) by moving up to 100% of client accounts into cash or U.S. Treasuries.
  • How is this different from a traditional brokerage account?
    We actively manage the investments in your account in an effort to navigate ever changing markets. In a traditional brokerage account you are responsible for managing your investments and knowing when to make changes.
  • Can I talk with the person managing my investments?
    Of course. Contact us through the chat bot to the bottom left, the contact form below, send us an email at
  • Is my account insured?
    Your account(s) is insured by the Securities Investor Protection Corporation (SIPC) up to $500,000 in total value per entity, but limits insurance on cash to $250,000 per entity. As with all securities firms, this coverage provides protection against failure of a broker-dealer, not against loss of market value of securities. There is no guarantee that investment objectives will be met. Money market funds are considered a security. Cash is defined as funds not invested in a money market fund. Your account is not insured against investment losses.
  • How do I talk to someone?
    adaptVest team members are available five days per week to answer questions about your account by contacting us via the chat bot to the bottom left, contact form below,
  • What are your normal business hours?
    Monday through Friday 9am to 5pm eastern standard time. If the New York Stock Exchange is closed, we are closed.
  • How do I view my account?
    You can view your account by logging in at the top of this page.
  • What should I do if I forgot my login information?
    If you just forgot your password, click on the "Forgot Password" link when you go to Login. If you forgot your user name contact us via the chat bot to the bottom left, contact form below,
  • How do I find my account number?
    Login to your account above or contact us via the chat bot to the bottom left, contact form below, and we will help you out.
  • Why is there a cash balance in my account?
    We maintain a small cash balance to allow for fees to be paid or for you to withdraw money without having to sell investments. If we feel as though markets are too volatile and there are no good investment options, we may have 100% of your account in cash to protect your principal until we find something better.
  • How do I update my contact information?
    Login to your account or get in touch with us using the chat bot to the bottom left, email us at
  • My financial situation has changed, what should I do?
    You can always submit an updated risk profile questionnaire at Login to your account or get in touch with us using the chat bot to the bottom left, email us at
  • How much do you charge?
    It is free to create an account, add your other, financial accounts, create goals and track progress. We only charge a fee on your investment accounts that you have us manage. The fee structure is simple and transparent, the annual fee is 0.60% which covers our fee and APEX's custody and trading fee. These fees are billed monthly at a rate of no more than 0.05%. The underlying investments in your account will likely have an internal expense ratio of around 0.25%, we monitor these fees closely.
  • How do you receive fees?
    You won't have to write a check or set-up bill pay with your bank. Our fees are deducted directly from your investment account at the end of every monthly billing period. Our fee will be listed on your account statements.
  • What happens to fees if I lose money?
    We are all in this together, if your account value falls so do our fees. Because our fees are percentage based if your account value falls due to performance or withdrawals our fee will be less.
  • Are there any other fees associated with my account?
    Yes, the ETFs have their own internal operating expenses which typically range from 0.05% to 0.95% annually. Historically, our portfolios typically have a weighted average expense ratio of less than 0.25%. There are no commissions charged for buying and selling the investments within your account.
  • How can I deposit or withdraw money?
    Through your online account or contact us via the chat bot in the bottom left, contact form below,, or 800-433-0422 option 1. We can set up 1 time transactions or systematic transactions that are weekly, monthly or quarterly.
  • What does it cost to withdraw money?
    None. We do not assess any fee or penalty for withdrawing money from your account. We can get money back in your bank account in about 3-days.
  • How long does it take to withdraw money?
    Once you request a withdraw we will sell your investments and electronically transfer the money to your bank account. This takes about 3 days.
  • How do I cancel my account?
    Just let us know. Contact us via the chat bot to the bottom left, contact form below, We will even help you figure out how to withdraw you funds or transfer your investments.
  • Is there a penalty for cancelling my account?
    That would add insult to injury wouldn't it? We do not charge an exit or cancellation fee. However the APEX where your account is held has an account closing fee of around $60.
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