Dollar Investment Club

What Dollar Investment Club does

Dollar Investment Club (DINC) is a systematic investment membership program operated by Leigh Baldwin & Co., LLC, a privately held SEC-registered investment advisor and broker-dealer founded in 1991 and headquartered in Cazenovia, New York. DINC targets individual retail investors—primarily young professionals and families, parents and grandparents seeking intergenerational wealth transfer, and Main Street investors who want a low-effort entry into managed investing. The service is built on a "Set, Save, and Grow" methodology that automates small recurring monthly contributions (starting at $100) into one of four strategically managed portfolios allocated across stocks, bonds, mutual funds, and options, with annual reviews conducted by human financial representatives.

The underlying technology stack is intentionally non-proprietary at the advisor layer: DINC does not operate its own trading or portfolio management platform, and the firm explicitly markets itself as "No bots. No AI responses." Account custody, online access, performance monitoring, tax documents, and proxy voting are delegated to Altruist, an AI-forward custodian serving over 6,000 independent advisors. Brokerage execution and SIPC-plus excess coverage are provided by Folio Investments (DBA Goldman Sachs). Portfolio management decisions are made manually by Leigh Baldwin & Co.'s 70+ registered representatives using fundamental research.

DINC monetizes through a tiered AUM-based advisory fee billed quarterly in advance: 0.95% on accounts up to $500,000, 0.75% from $500,001 to $1,000,000, negotiable above $1M, with a $25/year minimum. There are no disclosed commissions or hidden costs. Distribution is direct-to-consumer via the company website, organic social media (Facebook, LinkedIn, YouTube), content marketing (a blog active 2021–2026), and referral-driven community growth. Leigh Baldwin & Co. operates 30+ offices across the United States and manages over $3 billion in customer assets, registered to conduct business in 44 US states plus DC.

Name

Dollar Investment Club

Legal name

Leigh Baldwin & Co., LLC

Website

https://dollarinvestmentclub.com

Company type

Private

Founded year

1991

Operating status

Operating

Short description

Dollar Investment Club is a retail investment membership program, operated by Leigh Baldwin & Co., that automates small monthly contributions into four managed portfolios for everyday US consumers seeking a low-effort, advisor-guided path to long-term wealth building.

Ownership category

akta.pro rank

Headquarters

HQ city

Cazenovia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Advisory/Management Fees: DINC charges an annual advisory fee based on assets under management (AUM). Fees are calculated at an annual rate, payable quarterly in advance, based on market values on the last business day of each quarter. Fee schedule: 0-500k = 0.95%, $500k-$1M = 0.75%, $1M+ = negotiable. Minimum annual fee of $25. This is a recurring, AUM-based revenue model.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Dollar Investment Club (DINC) is a systematic investment membership program that enables individuals to automatically invest small monthly amounts (starting at $100) into professionally managed portfolios using a "Set, Save, and Grow" methodology. Portfolios are allocated across stocks, bonds, mutual funds, and options, with annual reviews conducted by financial representatives. The service is operated by Leigh Baldwin & Co., a registered investment advisor and broker-dealer, with Altruist providing custody and Folio Investments providing brokerage execution.

Product overview

Dollar Investment Club (DINC) is a systematic investment platform that enables members to automatically invest small monthly amounts (starting at $100) into strategically managed portfolios. The service is built on a three-step 'Set, Save, and Grow' methodology and is backed by Leigh Baldwin & Co. (founded 1991, managing $3 billion in assets), with Altruist serving as the custodian and Folio Investments providing brokerage services. DINC offers four strategically managed portfolio options allocated among Stocks, Bonds, Mutual Funds, and Options, with the LBCM Account Program providing long-term discretionary management and annual reviews.

Differentiator

Problem solved

Functional benefit

Products and services

• Dollar Investment Club (DINC) Membership A systematic investment membership program for individual consumers that automates monthly contributions (starting at $100) into professionally managed portfolios. Members link their bank accounts, complete a suitability questionnaire, and have financial professionals help choose among four strategically managed portfolios allocated across stocks, bonds, mutual funds, and options. Includes annual portfolio reviews and a transparent tiered advisory fee.
• Strategically Managed Portfolios Four strategically managed investment portfolios allocated primarily among Stocks, Bonds, Mutual Funds, and Options. Each portfolio is matched to a member's goals, risk tolerance, and financial preferences through a suitability review with a Leigh Baldwin & Co. financial representative, with annual allocation reviews thereafter.
• LBCM Account Program A long-term investment program offered by Leigh Baldwin & Co. providing discretionary asset allocation recommendations and management, annual portfolio reviews, and quarterly performance reports for participating accounts.

Quantifiable outcome

• Investing morning coffee money alone could turn into over $59k over time with DINC, time, and compounding interest.
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• AltruistcoreTechnology or IntegrationAltruist is the AI-forward custodian and wealth platform that holds and supports management of DINC client investment assets. It provides secure online account access, performance monitoring, tax documents, proxy voting, and planning tools. Altruist has over 6,000 independent advisors on its platform and was recognized as the highest-rated custodian in 2026 by the T3/Inside Information Software Survey. Registered with SEC and FINRA, member of SIPC with supplemental insurance coverage.
• Folio Investments, Inc. (DBA Goldman Sachs)coreTechnology or IntegrationFolio Investments, Inc. provides brokerage services for DINC client accounts. Clients enter Customer Agreements with Folio Investments for establishment of brokerage service accounts. Trades are executed through Folio Investments, with account protection of up to $50 million in excess of SIPC coverage ($500,000), for total coverage of $50.5 million through Folio Institutional.
• Leigh Baldwin & Co.coreStrategic or Co-development PartnerLeigh Baldwin & Co. is the parent company and registered investment advisor (RIA) that manages DINC portfolios. Founded in 1991, it is registered with the SEC as both a Broker-Dealer and RIA. The firm manages portfolios using fundamental research across stocks, bonds, mutual funds, and options. It has over 70 registered representatives and custody of over $3 billion in customer assets across 30 offices.

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• Ellevest: Goal-based investing platform originally targeting women with subscription tiers and automated portfolio management. Comparable subscription model and retail-investor targeting, though with a more defined niche focus.
• Titan: Mobile-first investment platform offering actively managed thematic portfolios with subscription plus AUM-based fees. Comparable subscription-plus-AUM revenue model and managed-portfolio product targeting younger investors.

Direct peers

• Stash: Subscription-based investment platform offering fractional shares, themed portfolios, and automated investing starting at low monthly fees. Directly comparable subscription model, portfolio selection approach, and retail investor targeting.
• Acorns: Micro-investing platform that rounds up purchases and invests small recurring amounts into diversified portfolios. Most directly comparable to DINC's $100/month minimum systematic investing approach targeting everyday consumers with limited investment experience.
• M1 Finance: Automated investing platform combining robo-advisor portfolio management with self-directed trading. Comparable in providing managed portfolios with automated recurring contributions at low cost.
• Betterment: Leading robo-advisor offering automated portfolio management with AUM-based fees starting around 0.25%. Directly competes for the same automated-investing customer segment but at a meaningfully lower price point that pressures DINC's 0.95% fee.
• Wealthfront: Automated investing platform with low AUM-based fees and portfolio management. Comparable in targeting tech-forward retail investors seeking hands-off diversified investing, but at a fraction of DINC's fee.

Regional players

• Wealthsimple: Canadian robo-advisor and investing platform offering automated portfolios with low fees. Comparable business model and AUM-based fee structure, though primarily serving Canadian customers rather than competing directly in DINC's US market.

Broad incumbents

• Robinhood: Commission-free brokerage and investing platform with growing managed-portfolio offerings. Comparable retail-investor target market but with significantly broader product scope and brand recognition.
• Schwab Intelligent Portfolios: Automated investing service from Charles Schwab providing diversified portfolios with no advisory fee. Comparable managed-portfolio offering but bundled within a much larger incumbent brokerage with vastly greater scale and brand trust.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCSROgt3pmaSG0hT8aVrH6Ig
• Facebookfacebook.com/DollarInvestmentClub
• LinkedInlinkedin.com/company/leigh-baldwin
• Xx.com/DINClub

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dollar Investment Club