Name

Pinvest LLC

Legal name

Pinvest LLC

Website

https://pinvestcapital.com

Company type

Private

Operating status

Operating

Ownership category

akta.pro rank

Headquarters

HQ city

Coral Gables

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Automated Investment Management Fees: Pinvest charges a management fee of 0.80% annually for portfolios consisting of UCITS ETFs. This fee covers portfolio management, monitoring, custody, and rebalancing. The fee is charged quarterly. No additional costs for rebalancing as Pinvest absorbs execution expenses.
2. Wealth Management Advisory Fees: Fee-only advisory model where clients pay only an advisory fee corresponding to professional financial management and guidance services. No commissions for products sold through third parties, avoiding conflicts of interest. No additional charges for access to the digital platform or receiving reports.
3. Institutional Advisory Fees: Technical independent advisory for tesorerias, family offices, and investment committees with long-term vision and no conflicts of interest, serving institutions seeking investment solutions aligned with their objectives.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels3 records

Core offering

Pinvest LLC operates as an SEC-registered investment advisor (RIA) that constructs and manages globally diversified portfolios using exclusively low-cost UCITS ETFs across five risk-based model portfolios (Conservative, Moderate, Balanced, Growth, Aggressive), with a USD 5,000 minimum investment and a 0.80% all-inclusive annual management fee. The firm also delivers personalized wealth management advisory with consolidated digital reporting for high-net-worth clients and independent investment advisory for institutional clients, family offices, and investment committees. Client assets are custodied through Interactive Brokers LLC (IBKR), and the entire service is accessible via web and mobile applications.

Product overview

Pinvest LLC offers a unified investment advisory and management platform composed of two primary services — Automated Investment Management and Wealth Management (plus an Institutional Services line). Automated Investment Management provides five model portfolios (Conservative, Moderate, Balanced, Growth, and Aggressive) built with low-cost accumulating UCITS ETFs, starting from a minimum investment of USD 5,000, with a 0.80% annual management fee. The Wealth Management service delivers personalized advisory, ongoing monitoring, and consolidated digital reporting for high-net-worth clients and family offices. The Institutional service offers independent advisory for investment committees, treasuries, and policy design. All services are accessible via a web app and a mobile app (iOS/Android), with Interactive Brokers (IBKR) serving as the custodial and brokerage partner for all portfolio management.

Differentiator

Problem solved

Functional benefit

Products and services

• Automated Investment Management (Model Portfolios)

Quantifiable outcome

• Management fee of 0.80% annually - all-inclusive covering portfolio management, monitoring, custody, and rebalancing with no hidden costs
• +3 more outcomes

Named customers3 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

Integration3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and parent.

• Interactive Brokers LLC (IBKR)coreTechnology or IntegrationInteractive Brokers LLC acts as the custodian and broker for client investments, holding assets in the client's name and segregated from Pinvest's assets. IBKR executes all transactions and provides the platform infrastructure for asset custody. Interactive Brokers Group is listed on Nasdaq (IBKR) and is part of the S&P 500, reflecting its size and market standards.
• Intercredit Bank, N.A.parentOthersPinvest is a brand of Intercredit Bank, N.A. Pinvest is part of an international financial group that holds majority ownership in a banking holding company with operations across various financial institutions, including operations in Miami.
• Banco PichinchacoreOthersThe international financial group that owns Pinvest is the majority shareholder of Banco Pichincha, Ecuador's leading private commercial bank. Banco Pichincha has presence in Spain, Colombia, Peru, Panama, and Miami (banking agency), providing regional infrastructure and credibility.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Empower (formerly Personal Capital): Hybrid digital wealth manager combining automated portfolio management with human advisor access for HNW clients, plus institutional tools. Closely matches Pinvest's dual robo + wealth-advisory positioning and consolidated digital reporting.
• Facet Wealth: Digital-first flat-fee financial planning and wealth advisory firm targeting HNW clients with fiduciary advisors and a tech platform. Comparable on the wealth advisory line — fee-only, no-commission, digital-led HNW service.
• Wealthfront: U.S.-based robo-advisor offering automated, globally diversified ETF portfolios with risk-based model allocation and an all-inclusive management fee. Closely mirrors Pinvest's automated service line in product construction, fee bundling, and digital onboarding.
• Betterment: Automated investment platform with risk-targeted model portfolios of low-cost ETFs, ongoing rebalancing, and a digital-first onboarding flow. Direct comparator on the automated investment management line, though Betterment does not emphasize LatAm cross-border distribution.

Regional players

• GBM (Grupo Bursátil Mexicano): Mexican investment platform offering ETFs, model portfolios, and wealth advisory for retail and HNW investors. Comparable regional digital wealth manager, but anchored in Mexico rather than the Andean corridor Pinvest serves.
• BTG Pactual Digital: Latin American investment platform from a major Brazilian bank offering diversified funds, ETFs, and advisory services to retail and HNW clients across the region. Comparable LatAm wealth platform with bank-distribution scale, though primarily Brazil-focused.

Broad incumbents

• Fidelity Go: Fidelity's digital advisory service offering automated, risk-based ETF portfolios with optional human advisor support. Comparable automated investment management product, but as part of a much broader brokerage and institutional franchise.
• Vanguard Personal Advisor Services: Vanguard's hybrid advisory service combining automated portfolio management with human advisor access at low fees. Comparable business model and target customer segment (long-term, cost-conscious investors), though distribution is U.S.-only.
• Charles Schwab Intelligent Portfolios: Major U.S. brokerage's automated portfolio offering with low-cost ETFs, automated rebalancing, and integrated brokerage. Broader incumbent with overlapping robo functionality, but does not specifically target cross-border LatAm HNW or institutional clients.

Others

• Interactive Brokers Advisor Services: Custodial and technology partner of Pinvest that also offers advisor-facing tools and white-label infrastructure. Listed as a peer because it competes for the same advisor/custody stack Pinvest sits on top of, but it is also a key enabler of Pinvest's product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Customer concentration

• LinkedInlinkedin.com/company/pinvest-capital

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Pinvest LLC