Albert

Albert is a U.S.-based personal finance app founded in 2015 by Yinon Ravid and Andrzej Baraniak. Headquartered in Culver City, California, the platform has grown into a full-stack money management tool that combines FDIC-insured checking and savings, algorithmic budgeting, a robo-advisory investing feature, and interest-free cash advances up to $250 — all accessible from a single mobile app. Advisory services are offered through Albert Investments, LLC, and brokerage services through Albert Securities, LLC, a member of FINRA/SIPC, meaning investing accounts are protected up to $500,000 (including $250,000 for cash).

What makes Albert unusual in the robo-advisor space is its hybrid model: the investing feature is paired with 24/7 access to a team of human financial experts via in-app text chat, available exclusively to Genius subscribers. That said, investors looking for retirement account support (IRAs, 401(k) rollovers) or advanced features like tax-loss harvesting will hit a ceiling quickly. Albert is best understood as a financial wellness app with an investing layer — not a dedicated investment platform.