Robo-advisor and portfolio tracker that pivoted to selling wealth technology to banks. The company rebranded as Tandems in September 2025, and its consumer robo product is no longer the focus, though accounts still operate.
SigFig was one of the original robo-advisors, but the company you'd find behind the name today looks very different. In September 2025 it rebranded as Tandems, launching an AI-focused wealth platform called WealthOS aimed at banks and advisory firms. The consumer products SigFig built its name on — a free portfolio tracker and a low-cost automated investing service — still exist, but they're no longer where the company's attention or revenue lives.
That arc matters if you're evaluating it in 2026. SigFig started as an aggregator: connect your brokerage accounts and see your whole portfolio in one dashboard, with analysis of your fees, allocation, and hidden costs. It later added a managed account service that invested your money in diversified ETF portfolios with automatic rebalancing, historically managing the first $10,000 free and charging a 0.25% annual fee above that.
The consumer robo works the way most do. You answer questions about goals and risk tolerance, and the service builds and maintains an ETF portfolio for you — rebalancing when allocations drift and harvesting tax losses on larger accounts. A distinctive touch was that managed accounts sit at partner brokerages like Charles Schwab or Fidelity rather than at SigFig itself, so your assets stay with an established custodian.
The bigger business, though, became selling that machinery to financial institutions. Wells Fargo, UBS, and Citizens all ran white-labeled digital advice platforms on SigFig's technology at various points. That strategy took a visible hit in 2025 when UBS shut down its SigFig-powered robo service, and the Tandems rebrand followed months later — a clear signal that the future is enterprise software, not the direct-to-consumer robo.
Existing SigFig customers, mainly. The tracker remains a decent free way to x-ray a scattered portfolio, and existing managed accounts continue to operate. But it's hard to recommend that new investors start a relationship with a robo product its parent company has visibly deprioritized, when Betterment, Wealthfront, and the robo arms of Schwab and Fidelity are all actively invested in their consumer offerings.
We have a soft spot for what SigFig got right. The fee analysis in its tracker genuinely surprised people — seeing what your mutual funds actually cost each year is a useful shock — and cheap automated management with real human advisors attached was a fair deal. The decision to keep client assets at Schwab and Fidelity was also a trust-building move other startups didn't make.
But we'd be cautious about opening a new account now. The Tandems rebrand, the B2B pivot, and the loss of the UBS partnership all point the same direction: the consumer robo is in maintenance mode, kept alive partly as a technology testbed. Product development has visibly slowed compared to competitors, and nobody outside the company knows what the long-term plan for retail accounts is. Watch this one for further changes before trusting it with fresh money.
