Wells Fargo's Intuitive Investor is a digital investment platform that brings together the best of both worlds: efficient algorithms and real, human financial advice. The robo-advisor runs on its own, monitoring and making adjustments to the ETFs it has chosen to invest in on a day-to-day basis. But it's the financial advisors behind the machine that can help customers determine what kind of portfolio is best suited for them according to their needs. This mixed approach to investing, however, comes at a cost: in order to open an Intuitive Investor account, consumers must make a minimal investment of $10,000. Intuitive Investor accounts are designed for both general and retirement investing. They may be opened as brokerage accounts—individual or joint—traditional IRAs, Roth IRAs, and SEP IRAs. Consumers can roll-over their retirement accounts, 401(k)s, or brokerage account balances when opening the Intuitive Investor account. Although Wells Fargo's robo-advisor does not provide direct indexing, it is still able to take advantage of tax-loss harvesting opportunities.

Despite recent controversy, Wells Fargo remains one of the largest banks in the world. This shows in its excellent financial ratings, including an A+ with Standard and Poor's and an Aa1 with Moody's. On the other hand, the bank has no rating on its BBB page as the business is in the process of responding to previously closed complaints. The company also has a subpar 1.5 score on Trustpilot and has received numerous complaints on the CFPB. The bank is, however, a SIPC member, meaning customers investing with Wells Fargo have a considerable amount of their funds insured. Users can also download the company's mobile app to manage their finances on the go, as well as contact customer service representatives for help with their account(s) 24/7.