United Income由Morningstar及eBay创始人Pierre Omidyar支持创立。该公司首席执行官Matt Fellowes表示，目前有超过80%可投资资产都由50岁以上的人掌握，因此这一公司专注为年龄在50到70岁之间、即将或已经退休的人服务。
A new robo-advisor is going against the grain by aiming a higher-priced service aimed at older investors, The Wall Street Journal reports.
United Income, backed by Morningstar and eBay founder Pierre Omidyar, focuses on those ages 50 to 70 who are approaching retirement or retired, says CEO Matt Fellowes: "Eighty percent of investible assets are held by people 50 and over."
The Washington, D.C. startup aims to help retirees turn their assets into retirement income. It offers advice on when to claim Social Security, which Medicare plans to buy, and how to tax-manage withdrawals from different accounts.
United Income developed its services with help from former officials at government agencies, including the Centers for Medicare and Medicaid Services and the Social Security Administration.
Like most robo-advisory services, United Income lets clients work with a human advisor-via phone, email or videoconferencing-for an extra fee. Investors who don't want to pay can still get free financial plans and advice on when to claim Social Security.
Its .8% fee entitles customers to unlimited access to a financial planner and a so-called concierge advisor for tasks like consolidating retirement accounts and enrolling clients in Social Security and Medicare. Concierges are also trained to help clients figure out how they want to spend their time and can identify specific opportunities for volunteer work, travel and second careers. They can also assist in end-of-life planning by making referrals to in-home care and hospice services. Robo-advisors typically charge .3% to .5%.