# Alinea

Alinea is a RIA.

## Overview

- **Organization type:** RIA
- **Assets under management:** Undisclosed
- **Website:** alinea-invest.com
- **LinkedIn:** https://www.linkedin.com/company/alinea

## About

Alinea is an SEC-registered investment adviser in New York, NY, registered since 2021. The firm manages $67 million in assets, with $48 million on a discretionary basis. It has 10 employees and 1 investment adviser.

## Questions

### Who makes the investment decisions at Alinea?

Alinea's investment decisions are driven by an in-house team that constructs the model portfolios available to users. The platform does not disclose the names of portfolio managers or investment committee members. The end-user's risk preferences and goals, captured via the app, determine which pre-built portfolio model is assigned, while the AI co-pilot handles ongoing portfolio rebalancing and automated deposits.

### How does Alinea actually source and retain its user base?

Alinea's primary distribution channel is direct-to-consumer mobile app acquisition, leaning on social media influence, app-store optimization, and word-of-mouth from its claimed base of over 2 million members. Retention strategies integrate gamified financial literacy modules, AI-driven daily market briefings, and a fixed annual subscription fee of $120, which moves the user relationship beyond transactional trading toward long-term automated saving.

### How does Alinea protect client assets?

Alinea is registered with the SEC and uses DriveWealth, a FINRA-member broker-dealer, for custody. Client securities accounts are SIPC-protected up to $500,000. The platform itself deploys bank-level 256-bit encryption and Plaid for bank linking, and does not store users' online banking credentials directly. The firm states it supports biometric login and two-factor authentication.

### What does the $120 annual fee at Alinea actually cover?

The $120 per year subscription covers access to Alinea's automated portfolio management platform, personalized portfolios built by its internal team, recurring automated investment execution, and an annual review by a human advisor. It does not cover underlying fund expense ratios on ETFs held in the portfolios. There are no trading commissions or tiered-fee asset-based models — the pricing is a flat annual rate regardless of portfolio size.

## Related profiles

- [FNZ](https://altss.com/profile/fnz)

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Last updated: 2026-06-03T20:00:00.000Z

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