Who offers white-label robo-advisory software for community banks?

Several B2B fintech providers specialize in turnkey, white-label digital wealth and robo-advisory platforms explicitly tailored or modular enough for community banks and credit unions . These solutions allow smaller financial institutions to offer automated, goal-based investing under their own brand name without building the infrastructure from scratch.

• FusionIQ provides modular digital wealth management solutions—including automated robo-advisory, hybrid human-advisor tools, and self-directed trading—specifically packaged for banks and credit unions to integrate with existing core systems.
• Unifimoney offers a specialized robo-advisory and wealth management solution built for community banks and credit unions, enabling account holders to access professionally managed portfolios within the bank's native digital ecosystem.
• Polaris Portfolios features the Polaris Digital Wealth Advisor, a turnkey platform designed explicitly for community banks and credit unions to offer life-event-based investing and financial planning with minimal upfront cost.
• ETNA Trading (ETNA Software) delivers a complete white-label robo-advisor and digital brokerage platform with robust API capabilities and brand control tailored for financial institutions scaling their wealth management.
• InvestSuite supplies a white-label, AI-driven robo-advisor platform focused on goal-based investing designed to help traditional financial institutions scale digital wealth offerings quickly.

If you are evaluating these for a specific institution, let me know:

• Do you need custodian integrations (like Fidelity or Apex)?
• Are you looking for a purely automated robo or a hybrid model with human advisors?

I can help you compare implementation timelines and integration methods.

Yes. There are several vendors that specifically offer white-label or private-label digital investing/robo-advisory infrastructure to banks and credit unions, including some that explicitly target community banks.

My shortlist for a U.S. community bank

I'd start with Unifimoney, Polaris, FusionIQ, Marstone, and CleverAlpha.

The distinctions are useful:

• Unifimoney — strongest if the bank wants a broader digital investing product, not just a robo-advisor. It supports both automated portfolios and self-directed investing.
• Polaris — particularly compelling if the objective is "put a wealth-management offering on our bank website quickly" with the vendor handling much of the operational burden. It explicitly markets to community banks.
• FusionIQ — attractive if the bank wants more control/modularity and potentially a private-label platform spanning robo, self-directed and human-advisor experiences.
• Marstone — worth a close look for a bank wanting robo + human/advisor-assisted wealth management rather than a pure automated-investing product.
• CleverAlpha — interesting specifically for smaller institutions because its positioning is explicitly about helping small banks and credit unions compete with larger wealth platforms.

One important distinction: "white-label robo advisor" can mean very different things. Some vendors provide essentially the entire regulated investing stack; others primarily provide the technology while the bank, an RIA, broker-dealer, or custodian handles advice, custody, compliance and/or execution.

If you're evaluating this for a community bank, I can also compare these vendors on pricing model, FDIC/community-bank references, core/digital-banking integrations (Jack Henry, Fiserv, FIS, etc.), custody/broker-dealer arrangement, RIA requirements, implementation time, and revenue share.

Several financial technology providers specialize in turnkey, white-label digital wealth management and robo-advisory solutions tailored specifically for community banks and credit unions. These platforms allow smaller institutions to offer automated, goal-based investing under their own brand without building the infrastructure from scratch.

Key providers serving this market include:

• Polaris Portfolios : Offers Polaris Digital Wealth Advisor , a turnkey digital wealth management and robo-advisory solution designed specifically for community banks and credit unions. It provides life-event-based investing, dynamic planning, and human advisor access at minimal upfront cost.
• Unifimoney : Provides automated robo-advisory and digital investing capabilities built explicitly for community banks and credit unions, enabling account holders to invest while keeping assets within the institution.
• FusionIQ : Delivers modular, cloud-native digital wealth management platforms with private-label capabilities that support automated, hybrid, and self-directed investing.
• SigFig : A prominent enterprise B2B2C provider that white-labels automated advice and engagement software for financial institutions, ranging from large regional and national banks down to smaller wealth managers.
• Slate Wealth Technology : Offers modular APIs and white-label interfaces that integrate with existing core banking systems to help banks launch automated advisory and self-directed experiences.

If you'd like, I can provide details on:

• Core integration requirements for community bank tech stacks
• Pricing models (such as AUM-based vs. flat subscription fees)
• Compliance and regulatory considerations for bank-branded robo-advisors

Let me know how you would like to proceed or narrow this down.

Yes. If you mean B2B software that a community bank can brand as its own robo-advisor/digital-investing offering, there are several credible vendors worth looking at:

My shortlist

For a U.S. community bank, I'd start with Unifimoney, FusionIQ, Polaris, and Eko.

• Unifimoney is probably the most directly aligned if the goal is “add a modern investing product to our existing bank experience.” It explicitly targets community banks and credit unions and combines robo-advice with self-directed investing.
• FusionIQ is particularly interesting if you want the flexibility to start with robo-advice and eventually add self-directed or human-advisor capabilities. It says its platform can be deployed as a complete private-label solution or as individual modules.
• Polaris is worth a serious look if you want a turnkey bank program rather than simply buying software. Its offering includes the digital wealth technology plus access to financial advisors and a revenue-sharing model for the institution.
• Eko is a more pure-play white-label investing/robo-advisor technology option and is explicitly positioned for integration into a bank's existing digital banking environment.

One important distinction: “white-label software” doesn't necessarily mean the bank becomes the investment adviser or broker-dealer. Several of these providers can supply the technology while another entity handles advisory, brokerage, custody, compliance, etc. That's a major issue to clarify in an RFP.

If you're evaluating this for a community bank, I can also put together a vendor comparison covering pricing model, minimum AUM/account requirements, custody/brokerage partners, API/core-banking integrations, regulatory model, revenue share, and implementation time.

Several specialized wealthtech and fintech providers offer turnkey, white-label robo-advisory software specifically designed or adapted for smaller financial institutions like community banks and credit unions. These solutions allow community banks to offer automated, goal-based investing under their own brand without building the infrastructure from scratch.

• Unifimoney : Provides an embedded wealth management and Unifimoney Robo Advisory platform built specifically to help community banks and credit unions offer automated, professionally managed investment portfolios to their existing account holders.
• FusionIQ : Offers a modular digital wealth management platform that allows financial institutions to rapidly launch private-labeled, automated advisory, hybrid advice, or self-directed investing solutions.
• SigFig : A major enterprise white-label advice and engagement platform that partners with various retail banks and financial institutions to provide streamlined, low-cost digital investment and portfolio management tools.
• ETNA Trading : Provides a white-label digital advisor and RIA platform featuring automated robo-advisors, client mobile/web portals, and back-office tools designed for financial firms scaling digital investment services.
• InvestSuite : Supplies an AI-driven, white-label automated and goal-based investing robo-advisor platform designed to let banks easily scale digital wealth management.
• Slate Wealth Technology : Offers modular APIs and white-label interfaces that integrate with legacy core banking systems, allowing banks to add automated advisory and digital brokerage capabilities.

Are you looking to integrate the robo-advisor directly into your existing mobile banking app , or do you need a turnkey solution that includes backend regulatory compliance and asset management?

Yes. If you mean B2B software that a community bank can put under its own brand, rather than a consumer robo-advisor like Wealthfront, there are several credible providers.

My shortlist

For a U.S. community bank, I'd start with InvestiFi, FusionIQ, and Polaris.

InvestiFi is probably the closest match to your question. It explicitly positions itself around community banks/local retail banks, offers a white-label platform, and launched its own guided-investing/robo-advisory product. investifi.cominvestifi.com It also has an actual community-bank reference point: Citizens Bank of Edmond deployed its platform as an integrated, in-app investing experience.

FusionIQ is the more comprehensive technology-platform alternative. It lets an institution implement a private-labeled solution and combine self-directed, digital-advice and advisor-assisted investing. fusioniq.io Notably, FusionIQ acquired Marstone in June 2026, bringing another established B2B digital-wealth platform into its offering.

Polaris is interesting if the bank wants more of a turnkey managed service rather than simply licensing software: it says it handles wealth management, financial planning and customer service for the institution.

If you're evaluating this for a bank, I would compare vendors on (1) who is the RIA/adviser of record, (2) broker-dealer/custodian, (3) ability to use the bank's own brand, (4) digital-banking/core integrations such as Alkami/Fiserv/FIS, (5) economics/revenue share, (6) minimum AUM/account size, and (7) whether the bank retains the customer relationship and data.

If you tell me the size of the community bank and its digital-banking/core provider, I can narrow this to the 3–5 vendors that are actually realistic and compare their pricing, integrations, regulatory model, and existing bank customers.

If you're looking for white-label robo-advisory software that community banks can offer under their own brand, there are several established providers, plus newer embedded wealth platforms focused specifically on community financial institutions.

Several fintech and wealth-tech providers specialize in turnkey, white-label robo-advisory and digital wealth solutions tailored specifically for smaller financial institutions like community banks and credit unions.

Key providers serving this market include:

• Polaris Portfolios: Offers a dedicated Digital Wealth Advisor platform built explicitly for community banks and credit unions. Their "plug-and-play" turnkey model integrates directly into a bank's ecosystem, allowing institutions to offer automated, goal-based investing, life-event planning, and fractional/ETF indexing with little to no upfront software development cost.
• TAPP Engine: Focuses on embedded digital wealth tech for credit unions and community banks. They provide white-label investing infrastructure integrated with major model portfolio providers (such as Envestnet's ActivePassive strategies) so smaller banks can retain deposits that would otherwise drift to external brokerages.
• Fusion IQ: Provides a digital wealth platform that recently expanded its reach to banks and credit unions—following its acquisition of digital TAMP provider Marstone—enabling institutions to launch branded self-directed, hybrid, or automated investing journeys.
• InvestSuite: A pure B2B Software-as-a-Service (SaaS) provider offering modular, white-label automated robo-advisory and self-investing platforms. While global in scale, they actively deploy fast-to-market digital investment engines for regional and challenger banks looking to upgrade their UX without building an infrastructure from scratch.
• SigFig: Historically known for enterprise-grade white-label deployments with large national institutions (like Wells Fargo and UBS), they also offer core-integrated digital advice platforms like SigFig Atlas designed to bring institutional-grade automated portfolio management and customer engagement tools down to regional and expanding branch footprints.

If you'd like to narrow this down, let me know:

• Are you looking for a turnkey RIA partnership (where they manage the backend compliance/fiduciary side) or pure software?
• Do you need hybrid capabilities (combining robo with your human advisors)?

If you're looking for a white-label robo-advisory platform that a community bank can offer under its own brand, there are several established providers plus a few newer embedded wealth platforms.

If your customer is specifically a community bank

The strongest fits are:

• Unifimoney – probably the closest match if the goal is consumer digital investing inside an existing online banking platform. It was designed specifically for banks and credit unions and supports robo portfolios alongside self-directed investing.
• Polaris Portfolios – particularly attractive for smaller institutions that want a turnkey wealth or retirement offering without building an advisory business from scratch.
• SigFig – well established, although historically more common among larger banks and wealth management organizations.

Other vendors worth evaluating

Some newer fintechs are expanding beyond traditional robo advice into embedded wealth and financial wellness:

• Quinn Advisor focuses on AI-assisted financial guidance that complements advisors rather than replacing them.
• Finoveo emphasizes white-label financial wellness and engagement for banks and advisors rather than portfolio management itself.

Typical selection criteria

Community banks evaluating these platforms usually compare:

• White-label branding (mobile and web)
• Integration with digital banking providers (e.g., Jack Henry, Alkami, Q2, Fiserv)
• Custody and brokerage relationships
• Automated risk profiling and suitability
• Model portfolios and automated rebalancing
• Hybrid advisor capabilities
• Compliance (SEC/FINRA), reporting, and audit trails
• Revenue model (AUM sharing vs. SaaS licensing)

If your use case is under $10B in assets, I can also narrow this list to the vendors that have the strongest track record with community banks rather than enterprise institutions.

Several vendors offer white-label robo-advisory software specifically tailored for community banks, credit unions, and regional financial institutions, allowing them to provide automated investment services under their own branding.

Key providers include:

• Unifimoney: Provides robo-advisory solutions designed for community banks and credit unions to offer automated, managed portfolios.
• Polaris Portfolios (Digital Wealth Advisor): Offers a turnkey digital wealth management solution specifically for community banks and credit unions, supporting life-event-based investing and financial planning.
• Eko (by CU 2.0): Offers a white-label digital investment and robo-advisor platform designed for banks and credit unions, featuring both robo-advisory and digital brokerage options.
• Q2 (via TAPP Engine): Provides white-label digital investing solutions that integrate into the Q2 Digital Banking platform, featuring $0-commission and robo-advisory services.
• Comarch Wealth Management: Offers white-label, integrated robo-advisory software with automated KYC, onboarding, and portfolio simulation for financial institutions.
• InvestSuite (Self Investor): Provides a white-label investment platform enabling banks and fintechs to offer branded, automated, goal-based investing.
• ETFmatic B2B: Offers white-label robo-advisor services with customizable apps, as well as API integration for customized front-ends.
• WealthKernel: Offers white-label, API-driven investing services to help businesses build end-to-end robo-advisor journeys.

These platforms help community banks retain assets that might otherwise move to national competitors, allowing them to offer modern, digital investment experiences.

Would you like to explore which of these vendors offers the best integration with your specific core banking provider or compare their pricing structures?