In a Nutshell

• Alinea Invest is a mobile investing app built around a simple idea: investing should be easier to start, not a second job.
• You can invest in a model portfolio matched to your risk tolerance, or explore themed Playlists of stocks and ETFs. Allie, an AI assistant, explains what’s happening with your money in plain language.
• You decide how hands-on to be. Automate your investing, learn as you go, and get information about your investments when you need it, without having to become a finance expert first.

Alinea believes everybody should be able to start investing without a finance degree, hours of research, or the intimidation that often comes with it. So we built an app that handles the routine parts in the background: matching you to a model portfolio, automating your contributions, and sharing educational information about your investments, all wrapped in an experience that feels good to use. All investing involves risk, including loss of principal.

Our Mission and Vision

Mission

To make investing easier.

Vision

To give people the freedom to spend their time how they actually want.

Investing can be a way to work toward long term goals, but it involves risk, and many people put it off because it feels complicated or built for someone with more money and more time. Alinea exists to remove that friction, so getting started doesn’t feel out of reach.

What Does Alinea Do?

Alinea combines model portfolios, an AI assistant, and automation in one app, so you can start investing and keep investing without constantly managing it.

Model Portfolios

When you sign up, Alinea asks about your risk tolerance, then assigns you to one of four risk-based model portfolios of ETFs (low, moderate, high, or hyper) based on your answers. Alinea rebalances it monthly to keep it aligned with its target weights. You’re not starting from a blank slate, and you don’t have to pick individual stocks to get started.

Investing Playlists

Playlists are collections of stocks and ETFs organized around themes, interests, or values, so you can put your money behind what you care about. You can follow existing Playlists, create your own with Vibe Investing by chatting with Allie, and share strategies with the Alinea community. Vibe Investing Playlists are generated by an AI model, which updates their weights monthly with no human review of the changes, and AI can be wrong. Themed portfolios may be less diversified and more volatile than broadly diversified portfolios.

Playlists Pro offers Alinea-created Playlists in two types. Copy-traded Playlists follow the publicly disclosed holdings or trades of specific people or institutions, using estimated holdings that a third-party data provider compiles from public filings, and are rebalanced every other week. No AI is used to set their weights. Researcher Playlists are built around themes and market events, and an AI model sets and updates their weights each week with no human review. Politicians can disclose trades up to 45 days after they happen [1], and institutional holdings are reported on Form 13F, which is due within 45 days after each quarter ends [2], so copy-traded Playlists may be out of date and may not reflect current positions. AI-set weights can be wrong. Alinea is not affiliated with, and these Playlists are not endorsed by, any person, politician, or fund manager. You can’t change the weights of Playlists Pro portfolios, they are the same for all investors, and they are not matched to your risk tolerance.

Allie

Allie is Alinea’s built-in AI assistant. It translates portfolio performance and market activity into plain-English explanations, so you can understand what’s happening with your money without decoding financial jargon. At your request, Allie can also start a deposit, withdrawal, buy, or sell, or create a Vibe Investing Playlist, and you confirm every transaction before it runs. Allie provides educational research and feedback only, does not provide investment advice or recommendations, and can make mistakes.

Automated, Flexible Investing

You can set up recurring contributions on your schedule, make one-time deposits whenever you want, and adjust how involved you’d like to be at any time. Recurring contributions run on your schedule whether you open the app every day or once a month. Recurring investing does not assure a profit or protect against loss.

Daily Briefing

Each day, Alinea delivers a short summary of financial news relevant to your holdings, for informational purposes only.

Potential Tracker

The Potential Tracker shows example outcomes based on assumptions you choose, to help you visualize how regular investing could add up over time. Projections are illustrative only, are shown net of fees, and are not a prediction or guarantee of future results. Actual results will vary, and you can lose money.

Why People Choose Alinea

A lot of investing apps promise simplicity. Here’s what Alinea stands behind:

Design that makes it an experience. Simple, intuitive interfaces that remove friction at every step, because how it feels is just as important as what it does.

Automation on your terms. We handle the routine steps, and you choose how hands-off or hands-on to be while your money keeps moving forward.

Learning built in. Investing shouldn’t require years of experience. Allie and in-app education help explain what’s happening in your account.

Learn by doing. We share educational information in the moments it matters. No finance degree required, just practical information to help you understand your investments.

Built around your risk tolerance. Your answers about your risk tolerance are used to match you to a model portfolio. Playlists Pro portfolios are the same for all investors.

Information when you need it. The Daily Briefing summarizes news relevant to your holdings, so you don’t have to go looking for it. It is for informational purposes only.

Safety and Security

Alinea Invest, Inc. offers a mobile investing app. Investment advisory services are provided by Alinea Advisory Services LLC, an SEC-registered investment adviser and a wholly owned subsidiary of Alinea Invest, Inc. SEC registration does not imply a certain level of skill or training.

Brokerage accounts are held at DriveWealth LLC, member FINRA/SIPC, which is not affiliated with Alinea. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash) if the brokerage firm fails financially. It does not protect against a decline in the market value of your securities [3]. Bank accounts are linked through Plaid, Inc., a third party not affiliated with Alinea, and we do not store your online banking credentials. SSL and 256-bit encryption help protect your data.

You must be 18 or older and a U.S. citizen, permanent resident, or holder of certain visa types.

How to Get Started

• Download the Alinea app and answer a few questions about your risk tolerance.
• Get matched to a model portfolio, or explore Playlists built around themes you care about.
• Link your bank account and choose a one-time deposit, a recurring contribution, or both.
• Use Allie, the Daily Briefing, and the Potential Tracker to learn about and follow your investments.

Summary

Our purpose is to make investing easier.

Our goal is to handle the routine parts in the background while you spend your time how you want.

We aim to do that by designing for clarity, automating routine steps, sharing educational information as you go, and surfacing information relevant to your holdings.

Disclosure

Advisory services are provided by Alinea Advisory Services LLC, an SEC-registered investment adviser and a wholly owned subsidiary of Alinea Invest, Inc. SEC registration does not imply a certain level of skill or training. Brokerage and custody services are provided by DriveWealth LLC, an unaffiliated registered broker-dealer and member of FINRA/SIPC.

This content is for informational purposes only and is not an offer, solicitation, or recommendation to buy or sell any security. All investing involves risk, including loss of principal. Past performance does not guarantee future results. Allie is educational only, does not provide investment advice, and can make mistakes. Projections are illustrative, shown net of fees, and based on assumptions that may not occur. Vibe Investing and researcher Playlists have their weights set by AI on a schedule, with no human review of the changes, and can be wrong. Alinea oversees the algorithm and monitors it for anomalies. Themed portfolios may be less diversified and more volatile. Alinea is not affiliated with the sources listed below, and their inclusion is not an endorsement. Alinea charges a subscription fee for its advisory services; see Item 5 of Form ADV Part 2A.

See our Form ADV Part 2A, Wrap Program Brochure, and Form CRS at www.alinea-invest.com/legal/home. For more on Allie, see AI Allie – Disclosures & Terms of Use at www.alinea-invest.com/legal/ai-allie-disclosures-terms-of-use.

Sources

[1] U.S. House Committee on Ethics, STOCK Act reminder memorandum, June 11, 2020 (ethics.house.gov). Periodic transaction reports are due within 30 days of notice of a transaction and no later than 45 days after it.

[2] U.S. Securities and Exchange Commission, Form 13F reporting by institutional investment managers (Exchange Act Section 13(f) and Rule 13f-1). Filings are due within 45 days after the end of each calendar quarter.

[3] Securities Investor Protection Corporation (SIPC), What SIPC Protects (sipc.org).

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