Embark Invest, managed by ETF Model Solutions, provides investment advisory services to individuals, businesses, and trusts. Embark uses a digital platform and direct client contact to offer diversified Exchange Traded Fund (ETF) portfolios based on the Endowment Investment Philosophy (EIP). Embark partners with Betterment for Advisors to deliver these portfolios. Clients must provide financial information to receive tailored investment recommendations. Embark does not offer traditional financial planning, estate planning, or tax planning.
Fee Structure
Embark Invest uses a wrap fee program that bundles advisory, sub-advisory, custody, and trading fees into one fee. The annual fee is a percentage of your account assets, and the rate decreases as your assets increase. The fee includes Betterment's platform fee, which is currently 0.16% of assets. Embark's portion of the fee is negotiable. The total wrap program fee is:
- Less than $1 million: 1.16%
- $1 million to $2.5 million: 1.06%
- $2.5 million to $5.0 million: 0.96%
- $5.0 million to $7.5 million: 0.86%
- $7.5 million to $10.0 million: 0.76%
- $10.0 million to $20.0 million: 0.66%
- $20.0 million to $30.0 million: 0.54%
- Over $30 million: Sum of Embark Fee + 0.16% (Negotiable)