Wealthfront

Wealthfront sets the bar with direct indexing available on accounts as low as $100,000 and automated tax-loss harvesting across all asset classes, all for a flat 0.25% annual fee. Its high-yield cash account consistently outperforms #2 Betterment's cash options by offering top-tier rates with no minimum balance. This combination of advanced tax strategies and competitive returns makes it the most comprehensive robo-advisor for cost-conscious investors.