Benjamins Money

Benjamins Money delivers app- and web-based investment advisory and financial planning services to individuals, with a client base concentrated in high‑net‑worth households rather than typical retail (non‑HNW) clients. The firm offers discretionary asset management through its online platform alongside tiered financial planning and consulting subscriptions.

The investment program is software-driven and implements model portfolios compiled by RBC Capital Markets, typically using low‑cost, index‑tracking ETFs and automatic rebalancing when allocations drift by more than 10%. The platform’s recommendations are informed by a mix of methods — including technical, cyclical, charting, economic stress testing — and clients receive continuous access to account information and periodic prompts to update their financial data.

Unusual for peer firms, Benjamins Money operates predominately as an internet adviser and is an affiliated subsidiary of a financial services corporation while also having ownership connections to another registered adviser. The firm also discloses that a senior principal is a licensed insurance agent who may sell insurance products through the app and receive customary commissions, a revenue stream and affiliation the firm identifies as a potential conflict of interest; the adviser remains small in scale (about $9.1 million in discretionary AUM and five clients).