Your personal finances
(analyzed & automated)
Ocho helps modern professionals (from business owners to full-time employees) get personalized advice to help them better manage and optimize their money.
If you’ve ever felt too busy or stressed to think about your finances,
Ocho was made for you.
“Ocho has made it SOOOO easy to get started and feel secure in a plan moving forward. Working with [Ocho] has been unbelievably helpful… and my advisor◊ was patient with me throughout the entire process with ALL of my endless questions.”
– Mikaela U. (Ocho customer)
“Thanks so much. I reviewed my financial plan and it provided a lot of guidance and things to think about in terms of my long-term goals“
– Sherrell D. (Ocho customer)
Why do people love Ocho?
It’s like having your own team of financial experts and “doers” (without the cost)
helping you manage your money.
Get Matched With a Financial Advisor ◊
(No % fees or biased advice)
Gain direct access to your own financial advisor: send questions anytime via email, request updated plans with any status changes, and receive expert guidance on pivotal decisions, like whether to buy a house or how to best optimize your retirement contributions for taxes.
Only available on the Pro plan
Receive Your Own Custom Financial Plan ◊
(Ongoing + tailored to your unique situation)
Discover our tailored financial plan designed for you and your household. It integrates your business, full-time job, and all income streams, while also evaluating your lifestyle and retirement objectives.
Only available on the Pro plan
Retirement & Investment Accounts ◊
(No AUM fees and get setup in minutes)
Experience our financial platform where you can set up Solo401k & IRAs, gain access to a robo-advisor, all without any AUM fees.
No-Fee Robo-Advisor†
(Automate your investing)
Answer a few simple questions and Ocho’s intelligent robo-advisor will automatically build a smart, optimized portfolio for you. Set up a recurring monthly or weekly contribution and your entire financial life is now on auto-pilot, all for zero AUM fees.
Available on all Ocho investment and retirement accounts.
Learn More With Our Money Courses
(On-demand training with experts)
Dive into our comprehensive Ocho course library, featuring topics from credit card points and estate planning for founders to small business accounting and beyond.
What they’re saying about Ocho…
The process of opening a solo 401k used to be extremely complex, and you had to do most of the administration work yourself… I don’t normally get excited about retirement plans, but Ocho is building something I’ve wanted to exist for a long time.
Nate O’Brien (Investor & YouTuber)
There are now so many people who are self-employed, and Ocho is building the perfect financial vehicle to help them turn their business income into generational wealth. [Ocho] is so powerful and flexible that it feels like you’re getting access to a tax loophole.
Elizabeth Yin (Co-founder @ Hustle Fund)
Ocho is the most intuitive experiences I’ve tried. I love how you can get set up and invest in just a few minutes. Every business owner, creator, and self-employed person should have one. The benefits and tax savings each year are a no-brainer.
Sebastian Fung (Owner, Ask Sebby)
Ready to get started with Ocho?
Basic
$299/ year
- ✓ Ocho Solo 401k Plan
- ✓ Ocho IRAs (Traditional + Roth)†
- ✓ Security & compliance monitoring
- ✓ On-demand courses + training ✓ No AUM fees◊
- ✓ 30-day refund guarantee
Pro
$999/ year
- ✓ Ocho Solo 401k Plan
- ✓ Ocho IRAs (Traditional + Roth)†
- ✓ Security & compliance monitoring
- ✓ On-demand courses + training ✓ No AUM fees◊
- ✓ 30-day refund guarantee
- ✓ Custom financial plan◊
- ✓ Access to “Ask an Advisor”◊
- ✓ On-going support and updates to financial plan
-
OCHO BLACK
$12,000 / year
- ✓ Limited spots and by application only
- ✓ Hands-on financial planning, execution and investment advice
- ✓ For business owners earning $200k+ profit annually
- ✓ No-fee investment management and advice
- ✓ Sourcing, vetting and executing on boutique accredited investments
- → Click here to learn more
What if Ocho isn’t the right fit for you?
You can try out Ocho for 30 days and if you feel it isn’t right for you, we have a no questions asked refund policy.
Questions before joining?
If you’re hungry to learn more about managing and growing your money as a business owner (even if you consider yourself “bad” with finances or get overwhelmed or confused), this is your community! We will be covering a wide variety of topics to help those that are just starting out build the foundations and more advanced content to help support you as you progress along your journey or for those that are ready to dive in.
Most of our content is currently tailored to the US financial system. However, there are topics that are and will be applicable no matter where you live in the world. As we have a 30-day refund, we encourage you to check out the content yourself and see if it’s the right fit for you!
Yes! You’ll have 30 days from joining the program to request a full refund, no questions asked.
Your membership will give you access to Ocho for one year and will renew annually after that. You will always be able to cancel before the next payment cycle.
As this is a new membership, one of the perks of joining early is that you’ll be able to request content, resources, and topics that you want to see most. We will regularly be chatting with members to make as many of those things possible!
Ocho Investment Advisors LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC), and uses bank-level security and state of the art encryption to keep your data and money safe. Brokerage and custody services are provided by DriveWealth LLC, a SEC registered broker-dealer and member FINRA/SIPC. SIPC, or the Securities Investor Protection Corporation, currently protects the securities and cash in your account up to $500,000 of which $250,000 may be in cash. SIPC does not protect against the market risks associated with investing. Investing in securities involves risk and there is always the potential of losing money. Asset allocation and diversification do not guarantee a profit or protect against a loss, and past performance is no guarantee of future results.
Additionally, like all 401(k) plans, your Ocho Solo 401(k) is set up as a retirement trust, with you appointed as the sole trustee and plan administrator. In the unlikely event that Ocho were to go out of business, your 401(k) and trust would remain in existence, and all funds would remain under your control. While Ocho helps set up your solo 401(k) plan, you remain the plan administrator and trustee at all times, and Ocho never has custody of your funds, meaning they are owned and titled by your 401(k) plan, not by Ocho. If Ocho were to close, you could choose to keep your money with DriveWealth (if you change to a new advisor) or transfer the assets to your bank account.
Apart from the flat annual subscription fee, Ocho does not charge any additional fees or hidden charges, and there are no fees on your assets under management (AUM) when using the optional integrated brokerage account through Ocho Advisors. You get all the premium features of Ocho for one all-inclusive price. While Ocho does not charge any additional fees apart from the flat annual fee, there may be fees charged by Drive Wealth, ETFs and funds you choose to invest in, and trading commissions. There may also be fees if you choose to invest through your solo 401(k) plan outside of the Ocho application. Ocho Advisory may also charge advisory fees at some point in the future, to future customers. Any changes to our fee structure will be communicated beforehand.
Shoot us an email at: support@ocho.com