How we ranked them (and who is writing this)
Disclosure first: this guide is published by Tengu, which appears in it. To keep it useful anyway, the ranking is mechanical. Three questions, verifiable in each vendor's own docs: (1) Multi-broker read: does it see all your existing accounts? (2) Execution: can it act after you approve, or does it stop at advice? (3) Custody: do your assets stay at your own broker? We also note each tool's genuine strength, because the honest answer to "what is best" is: best at which job?
The 2026 field at a glance
| Tool | Multi-broker | Executes | Non-custodial | Best at | Entry price |
|---|---|---|---|---|---|
| Tengu | Yes (25+) | Yes, your approval | Yes | The full loop: research → approval → execution across your accounts | Free; $20/mo Chat |
| PortfolioPilot | Yes (read-only) | No (by design) | Yes (read-only) | Conflict-free advice and net-worth analytics | Free; $20/mo |
| Magnifi | Yes (tracking) | No | Yes (read-only) | Plain-English discovery and comparison | Subscription |
| Composer | No | Yes, in its own brokerage | No (custodial) | No-code strategy building and backtesting | ~$24/mo |
| Wealthfront / Betterment | No | Yes, in their custody | No (custodial) | Hands-off, set-and-forget ETF management | ~0.25%/yr |
| Robinhood Agentic Trading | No (Robinhood only) | Yes, in-app approval | Yes (it is the broker) | Free AI-agent access for an existing Robinhood account | Free |
| Origin | Yes | Limited | Mixed | Broad personal-finance planning with an AI layer | Promo pricing |
See it on your own portfolio: connect a broker and ask Tengu anything about your money.
Try Tengu freeBest overall AI portfolio manager: Tengu
Tengu is the AI portfolio manager that connects 25+ brokerages, including Robinhood, Schwab, Fidelity, Interactive Brokers, Coinbase, and Kraken, and executes the trades you approve through your own broker. Never custodial. As of mid-2026, it is the only tool in this guide built to pass all three tests at once: it reads every connected account, its research cites filings and live data, and approved orders route through your own brokers behind position-size limits, leverage caps, and drawdown circuit breakers. It also runs a strategy marketplace (congressional trade tracking on STOCK Act disclosures, hedge-fund 13F mirroring) and trades its own capital live on the same engine users get. Honest caveats: it is a young company; advice-only purists will prefer a tool that cannot act; and deep DIY strategy-builders will find Composer's editor richer.
Best advice-only analysis: PortfolioPilot
If you want analysis with a structural guarantee it will never touch your accounts, PortfolioPilot is the strongest advice-only product: read-only aggregation, hedge-fund-inspired analytics, clear $20/month entry, and a no-execution stance it treats as a feature rather than a gap. The trade-off is the obvious one: every recommendation becomes your manual homework across every brokerage app you own.
Best for hand-built strategies: Composer
Composer's no-code builder and backtester remain the best way to craft rule-based strategies without programming, and its flat ~$24/month with zero commissions is fair. The structural limits: strategies execute only inside Composer's own custodial brokerage, on money you move there, and it does not see the rest of your portfolio.
Best hands-off management: Wealthfront and Betterment
The mature robo-advisors are still the right answer for investors who want zero involvement: automated ETF portfolios, tax-loss harvesting inside the account, around 0.25% per year. They are custodial by design, conversation-free, and limited to the money you transfer in. They are not AI portfolio managers in the 2026 sense: no conversation about your holdings, no action on the accounts you already have elsewhere. But they do their narrower job reliably.
Best free single-broker agents: Robinhood Agentic Trading
If your investing lives entirely in Robinhood, its Agentic Trading (launched May 2026) gives MCP-capable agents like Claude and ChatGPT trade access with previews and in-app approval, free. The limit is in the name: it is Robinhood-only, so portfolio-level moves across your other accounts are out of scope. Pair it with an independent layer if your money lives in more than one place.
How to choose, in one paragraph
Ask the three questions of your own situation. One account and want hands-off? A robo-advisor. One account at Robinhood and want agents? Robinhood's native feature. Want analysis only, never action? PortfolioPilot. Want to build strategies by hand on dedicated capital? Composer. Money in several places and want one AI that researches with citations and executes what you approve through the brokers you already use, never taking custody? That is the job Tengu was built for.