Savvy

Savvy uses a flat subscription fee rather than the percentage-of-AUM model common among RIAs and private banks. This means clients pay the same dollar amount regardless of how much money Savvy directly manages, which the firm argues reduces the incentive to hoard assets and better aligns advice with a client's total net worth.

Savvy operates as a hybrid. Clients are assigned a dedicated fiduciary advisor, not just an algorithm, but the platform automates portfolio construction, rebalancing, tax-loss harvesting, and financial planning integration. The firm positions itself as more human-led than a robo-advisor and more tech-enabled than a conventional independent RIA.

Savvy has not publicly disclosed a strict asset minimum. The firm's model targets emerging affluent professionals who may have high income but have not yet accumulated the $1 million-plus in liquid assets that typically triggers outreach from traditional private wealth managers.

Yes. Savvy builds and manages ETF-based portfolios on a discretionary basis, meaning the firm can trade and rebalance without seeking client permission for each transaction. This is combined with holistic financial planning that encompasses assets held outside the Savvy platform.

Savvy's public profile is limited. The firm has not disclosed the full composition of its investment committee or named a CIO through its marketing materials or press coverage. Rohit D'Souza is the founder and central public figure associated with the firm's strategy and vision.