Transparent pricing. No surprises.

Professional portfolio management, stock-level values screening, and full transparency into every holding — for a fraction of what a traditional values-aligned advisor charges.

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Advisory fee

0.40%

/ year on AUM

Assessed quarterly on your average account balance. Covers professional portfolio management, ongoing rebalancing, and access to all platform features.
‍

Platform fee

Accounts under $25,000

* Waived automatically at $25,000‍

No trading commissions

No account maintenance fees

No transfer or exit fees

No hidden costs of any kind

Everything included at one price

Portfolio management

Professionally managed portfolios (Inspire or Keystone)

Institutional-grade construction, monitoring, and rebalancing

BRI values-screened or thesis-driven U.S. economic strength strategies

Trading & transparency

Commission-free trading on U.S. equities and ETFs

Monorail Impact Score on every security

Whole and fractional shares

Real-time market data, news feeds, and dynamic charting

Accounts & tools

Traditional, Roth, and SEP IRA retirement accounts

Investment Analyzer with violation category detail

Guided account transfers and 401(k) rollovers

Access to local, values-aligned advisors through the platform

Monorail Fee Calculator

How Monorail compares

Feature

Traditional advisor

Generic robo-advisor

Annual fee

0.40%

1.00%+

0.25%

Account minimums

None

$250,000+

Varies

Values-based screening

Every holding

Varies by advisor

-

Managed portfolios

BRI + thesis-driven

Advisor-dependent

Generic allocation

Stock-level transparency

Every position

Varies

Fund-level only

Self-directed trading

Commission-free

Not typically offered

Limited or separate

Retirement accounts

IRA + SEP + rollover

Local advisor access

Via platform

Your advisor only

-

Why the $3/month platform fee?

Professional portfolio management, institutional-grade screening, and ongoing rebalancing cost real money to provide. Most traditional advisors solve this by setting high account minimums — typically $250,000 or more — to ensure the economics work.

Monorail takes a different approach. Instead of excluding investors with smaller accounts, we charge a $3/month access fee that covers the cost of providing professional management to accounts of any size.

When your account reaches $25,000, the fee is waived automatically. Your advisory fee alone covers the cost of service from that point forward.

Under $25,000

0.40% advisory fee + $3/mo platform fee

Account grows to $25,000

Platform fee waived automatically

$25,000 and above

0.40% advisory fee only — $100/yr on $25K

Frequently Asked Questions

Questions

Get answers about how Monorail works and what sets us apart.

What is the advisory fee?

Monorail charges 0.40% annually on assets under management, assessed quarterly on your average account balance. This covers professional portfolio management, ongoing monitoring and rebalancing, and access to all platform features including the Investment Analyzer and Monorail Impact Score.

When does the platform fee go away?

The $3/month platform fee is waived automatically when your account balance reaches $25,000. No action required on your part — the system recognizes the threshold and removes the fee.

Are there trading commissions?

No. All stock and ETF trades on Monorail are commission-free. There are no per-trade fees, no markups on securities, and no hidden transaction costs.

Are there any hidden fees?

No. Your total cost is the 0.40% annual advisory fee plus the $3/month platform fee if your account is under $25,000. No account maintenance fees, no transfer fees, no inactivity fees, and no exit fees. All fees are disclosed before you fund your account.

How does this compare to a traditional faith-based advisor?

A traditional values-aligned financial advisor typically charges 1% or more in annual fees with account minimums of $250,000 or more. Monorail charges 0.40% with no account minimums. Both provide professional management and values-based screening — Monorail delivers it through a digital platform at a fraction of the cost, accessible to investors at any account size.

Do retirement accounts have different fees?

No. Traditional, Roth, and SEP IRA accounts are subject to the same fee structure — 0.40% annual advisory fee plus the $3/month platform fee for accounts under $25,000. There are no additional charges for retirement accounts.

How does Monorail compare to other investing apps?

Most investing apps charge 0.25% or less but don't provide values-based screening, managed portfolios aligned to specific conviction frameworks, or the Monorail Impact Score. For investors who want professional management with full transparency into what their money supports, Monorail provides a product that generic robo-advisors do not offer.

Need more help?

Visit our help center or contact our support team directly.