Ledgerline
Digital wealth management

A clear plan for the life you’re building.

Ledgerline brings your investing, retirement and cash into one disciplined plan — built for the long term and managed without the daily work.
Start investingSee how it works ↓
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  • MinimumFrom $500
  • Managed fee0.35% per year
  • TradesNo commissions
  • RiskInvesting involves risk, including the loss of money you invest.
01 / Our approach

Structure over noise.

Good wealth management is not a stream of predictions. It is a written plan, low costs, broad diversification and the discipline to keep going.

  1. Clear

    Every account, holding and fee visible in one place.

  2. Disciplined

    Automatic investing and daily checks for portfolio drift.

  3. Personal

    A plan shaped around your timeline, savings and comfort with risk.

Products

One view. Four ways to plan.

Choose what you manage yourself and what you want Ledgerline to manage for you. Investing involves risk, including the loss of money you invest.
01

Managed Portfolios

From $500
A diversified ETF portfolio aligned to your goal and risk level, with automatic rebalancing.
02

ETF Investing

From $1
Build your own portfolio with fractional shares and automatic investing.
03

Retirement accounts

IRA + 401(k) rollovers
Open an IRA or bring old 401(k)s together with a guided rollover.
04

Cash Account

No minimum
A straightforward place for the cash in your plan.
Your Ledgerline

The whole picture, quietly organised.

See what you own, how it is allocated and what you pay — without turning long-term investing into a daily score.
One view
Investing, retirement and cash together.
Plain reporting
Holdings and fees, written clearly.

Sample data. Investing involves risk, including the loss of money you invest.

Ledgerline
  • Overview
  • Accounts
  • Allocation
  • Transfers
  • Documents

Total balance

$184,620.00

  • Managed Portfolio$96,400.00
  • Roth IRA$63,220.00
  • Cash Account$25,000.00

Allocation

  • US stocks45%
  • International stocks25%
  • Bonds25%
  • Cash5%
Next deposit15 October · $750
Plan reviewJanuary 2027
How assets are held

Your investments remain yours.

Investments are held in your name at an independent custodian, separate from Ledgerline’s own assets.
No commissions
We do not earn commissions on trades.
No payment for order flow
Your orders are not a source of payment to us.
Free to leave
No exit fees. Outgoing transfers are free.
Read the legal disclosures →

Investing involves risk, including the loss of money you invest.

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How it works

A considered plan, in six deliberate steps.

  1. 01Tell us your goalsTake a 10-minute questionnaire about your timeline, existing savings and how you feel about risk.
  2. 02Get a written planSee the accounts, risk level, monthly amount and every fee listed in dollars.
  3. 03Verify and fundLink an account or transfer existing accounts in at no cost.
  4. 04Invest automaticallyDeposits are invested within one business day in low-cost ETFs.
  5. 05RebalanceManaged portfolios are checked daily for drift.
  6. 06Review every yearMeet with a planner for an annual check-in.
Build your plan

Investing involves risk, including the loss of money you invest.

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Compare

Put the differences in writing.

A plain comparison with a commission-based model. What other firms charge varies; ask them for their figures in writing too.
Commission-based modelLedgerline
FeeCommission-based model: Advice paid for through commissions on the products soldLedgerline: 0.35% a year, all-in, no commissions
MinimumCommission-based model: Set by each adviserLedgerline: $500 for Managed Portfolios
ReportingCommission-based model: Statements on the provider’s scheduleLedgerline: Holdings and fees in the app, every business day
RebalancingCommission-based model: Arranged with your adviserLedgerline: Daily drift checks, automatic
Pricing

A fee you can see.

An annual fee based on what is invested, charged monthly. Fund expenses — averaging 0.09% — are additional.

Self-directed

0.15%per year
For investors who want to choose their own ETFs.
  • ETF Investing and the Cash Account
  • Commission-free ETF trades
  • Fractional shares
  • Automatic investing
Choose Self-directed
Most chosen

Managed

0.35%per year
For investors who want the day-to-day handled.
  • Everything in Self-directed
  • Automatic rebalancing
  • Tax-loss harvesting
Choose Managed

Private

0.25%per year · from $250k
For larger portfolios and a closer planning relationship.
  • Everything in Managed
  • A dedicated planner
  • Planner sessions
Talk to a planner

No commissions. No payment for order flow. No exit fees. Outgoing transfers are free. Investing involves risk, including the loss of money you invest.

Client stories

Plans for actual lives.

These are fictional client stories, written to show what working with Ledgerline is like. Individual experiences vary. Investing involves risk, including the loss of money you invest.
  • Amara Okafor in a navy knit, her hair up, looking out of a tall window over the city
    I wanted one plan I could understand between long hospital days. The written recommendations made every next step feel clear.
    Dr. Amara OkaforCardiologist · client since 2023
  • Daniel Reyes in a slate overshirt, seated in a studio with large steel-framed windows
    I can see the accounts and the fees without being pulled into watching the market every afternoon.
    Daniel ReyesEngineering lead · client since 2022
  • Sofia Lindqvist in a cream knit at a design desk with paper swatches, shelves and plants behind her
    I rolled over two old 401(k)s with one video call. Now they sit inside the same plan.
    Sofia LindqvistProduct designer · client since 2024
The annual review

Life changes. The plan should notice.

Once a year, review your goals, contributions, accounts and risk level with a planner — and update the written plan where needed.
What changed?
Work, family, income or a new goal.
What is next?
The next twelve months of saving and investing.
What needs adjusting?
Accounts, the monthly amount or the risk level.

Investing involves risk, including the loss of money you invest.

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Questions

The fine print, in plain English.

Still deciding? Call +1 (617) 555-0142, weekdays 8am–8pm ET.
Salaried professionals and business owners who want a disciplined, low-cost long-term plan without managing it day to day.
Talk to a planner

Start with a 20-minute conversation.

Tell us what you are planning for. The intro call is free, and there is no obligation to open an account.
Phone
+1 (617) 555-0142 · weekdays, 8am–8pm ET
Email
support@ledgerline.example
Office200 Clarendon Row, Floor 14 Boston, MA 02116

Please leave out account numbers, amounts, income and any identity or tax details — we ask for what we need once you open an account.
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Begin

Put a clear plan in motion.

Start with $500 for a managed portfolio, or book a free 20-minute intro call. Investing involves risk, including the loss of money you invest.
Start investingTalk to a planner →