Lower costs. Higher clarity.

$65 per month Plus a one-time $560 setup fee Plans typically include: 3
  • Dedicated financial planner
  • 2 hour annual strategy session
  • 3 check-ins per year
  • 15-25 personalized recommendations
  • Analysis of 1000 market scenarios

Dedicated financial planner

Whether you have questions as you check off your to-do’s or simply want someone to help keep you accountable, Grove’s advisors are here for you. Not sure what to do with your tax refund or how to make decisions for open enrollment? Email or message us anytime!

2 hour annual strategy session

Your advisor will go over your profile from top to bottom to figure out where you are today, and what goals you have for tomorrow. Then they’ll present an in-depth review and recommendations.

3 check-ins per year

Life happens, and your plan may need edits to help you stay on track. Every three months your Grove advisor reviews your financial outlook and goals to check for potential adjustments.

15-25 personalized recommendations

Your advisor will give you 15-25 (or more) personalized recommendations about how to achieve your goals, giving advice on everything from how much to save each month, how to allocate your accounts, how to take advantage of your employer’s benefits, and how to optimize your investment portfolio.

Analysis of 1000 market scenarios

To help our recommendations put you on track for success over the long term, we run 1000 market scenarios to estimate how your finances could change.

Traditional advisors charge exorbitant fees to offer advice.

Plus, traditional financial advisors often profit from selling you expensive, commission products that aren’t in your best interest.

Charging a monthly membership fee for Grove, and paying our advisors a salary lets them focus on just one thing: helping you achieve your goals.

And we offer a full money-back policy.

We’re so confident you’ll love Grove that we offer a full money-back policy. If you aren’t fully satisfied at any time, let us know and we’ll refund every dollar you’ve paid us for the last 100 days.2

Can Grove manage my investments for me?

We can! We believe that financial planning and investing are closely connected, and we provide investment recommendations as part the planning service. For Grove clients who are interested in having an expert implement, monitor, and rebalance that investment strategy, we offer Grove Invest. It allows clients to take another responsibility off their plan - and the best part is that if your plan changes, we’ll seamlessly update your investment portfolio. Learn more about Grove Invest.

Can you tell me more about Grove’s financial plan?

Your financial plan maps out a path to your goals. It starts with an overview of your current financial situation, capturing all of your assets, debt, income, and expenses. You’ll get specific recommendations on where to hold your assets, how much you need to be saving, what investments to hold in your portfolio, and more! We then focus on your goals, to help you understand what you’ll need to do to prepare for these milestones. For example, if you want to buy a home, we’ll help you estimate what price range you can afford, and help you understand and prepare for the expenses, from the down payment to property tax and maintenance. The most important part of the plan is your to-do list that summarizes the specific tasks you’ll take to put the plan in action. You can access your plan online and check off your to-do’s as you accomplish them!

Is my data secure?

Keeping your personal data private and secure is a top priority at Grove. We have designed our systems with multilayer security protections in place. When you are logged-in to our website, the information is transmitted with the same level of encryption used by banks and the military. Your encrypted data is stored on servers in a heavily guarded data-center. We have internal processes in place so that access to your data is restricted to only our employees who need to see it. Further, we routinely audit our network to ensure that there are no vulnerabilities and that no unauthorized access has taken place. Here are some of the specific security measures we include:
  • SSL/TLS encryption of network communications between all of our servers
  • Networking provided by an ISO 27001 certified cloud computing infrastructure
  • Multi-Factor Authentication (MFA) mandated for our internal tools
  • Regular software updates throughout our office and system infrastructure, to keep pace with current security improvements throughout the software industry
  • Strict internal policies governing who has access to what kind of data, as well as how that data is stored
  • Do I choose which advisor I work with?

    When you join, we will evaluate your situation and match you with an advisor that is a good fit for your needs. Our advisor team frequently works together to figure out the best advice for their clients, so you’ll have the combined power of planning algorithms and a team of advisors behind your strategy!

    Can Grove help me figure out...

  • if I should rent or buy?
  • if I can buy a home?
  • what to do with my company stock?
  • how much insurance I need?
  • if I can send my kids to private school? College?
  • if it’s better to pay off my credit card or invest my savings?
  • how to invest my money?
  • how to combine our finances now that we’re married?
  • Yes! We can help with any of these questions and more. The answer to each of these questions will be different depending on each situation. We spend time getting to know you so we can tailor the plan to you.

    Can I see a sample financial plan?

    We’ve included some sample plan images on our “How it works” page where you can see the type of advice we’d give in a few different financial scenarios. If you’d like to see more, or have questions about your unique goals and circumstances, we’re happy to walk you through a sample plan! Click Get Started to speak with an advisor.

    What do I get with a Grove membership?

    Grove’s Certified Financial Planners™ provide honest, straightforward advice to help you achieve your goals. In addition to collaborating with you to create a financial strategy, we can help answer questions about your important money moments. Your advisor starts by getting to know you, understanding your goals, and reviewing your full financial picture. Then they create a personalized financial plan with actionable to-do’s to help maximize your money and put you on track towards your goals. As part of your Grove membership, you’ll have ongoing access to advisor support anytime you have questions about your plan, or need to factor in unexpected changes. In addition, your advisor will review your financial outlook every three months to check for potential adjustments to your plan.

    How is Grove different from a robo-advisor?

    At Grove, each client starts by working with a Certified Financial Planner™ to put together a personalized and comprehensive plan. Our priority is to understand your goals and create a strategy for you to accomplish them. Depending on your situation, your plan may include recommendations on how much money should be invested and how it should be invested. Robo-advisors focus only on the investment portfolio you have with them, and generally are not much help in answering questions beyond that. In contrast, we can make recommendations around setting aside money, paying off debt, how much you need to save, and how to take best advantage of company and retirement benefits. Every situation is different and our advisors take the time to figure out the best comprehensive plan that is unique to each client. While you’re a client, our advisors are here as a partner to help you reach your financial goals — to check in, answer questions, and help keep you accountable!

    How long does it typically take to get a plan?

    Once you complete your online profile and have an initial call with your advisor, we’ll typically deliver your plan in 2-4 weeks.
    1. This chart illustrates growth in financial planning fees over time, is not a depiction of investment management fees. In addition to financial planning, Grove also offers optional, low-cost investment management service for your convenience.
    2. If you are not completely satisfied for any reason, at your request Grove Advisors LLC will refund any eligible fee related to your concern within the timeframes described below. Two Grove services are eligible for this guarantee: (1) Ongoing Financial Planning Subscription (“Grove membership”), (2) Wrap Fee Program (“Grove Invest”). Refund requests must be received no later than 100 days after the fee was charged. The guarantee is only available to current clients. Refunds will only be applied to the original payment method in the case of Grove membership, or the account charged in the case of Grove Invest, and will be credited within approximately four weeks of a valid request. No other charges or expenses and no market losses will be refunded. Other restrictions may apply. Grove reserves the right to change or terminate the guarantee at any time.
    3. At Grove we do a Comprehensive Financial Checkup that generally includes 15 to 25 (or more) personalized recommendations about how to achieve your stated goals and objectives. We also provide Ongoing Guidance that includes Financial Plan updates and quarterly Check-Ins. Plan updates may occur more or less frequently than annually, but we refer to them here as “annual strategy session.” A Plan update is commonly split into at least two calls, with both being about an hour in length. When we analyze your Long-Term Financial Outlook we typically run 1000 market scenarios in a Monte Carlo analysis. These features are intended to be a general description of our service and what clients typically receive. Their applicability to you will depend on your individual circumstances, and what you receive may be different than what is listed here. Clients can see their subscription agreement for additional details on the service.

    Your interests above all, even ours.

    Speak with an advisor to see if Grove is right for you