Condor Capital's Digital Advice Report™ Tests AI Trading Agents, Alongside the 17th Edition of the Robo Ranking®
MARTINSVILLE, NJ, UNITED STATES, October 5, 2026 /EINPresswire.com/ -- “We are pleased to announce the first edition of the Digital Advice Report™, formerly The Robo Report®, covering the second quarter of 2026, as well as the 17th edition of The Robo Ranking®,” stated Ken Schapiro, CFA, Founder of Condor Capital Wealth Management.
New this edition, "AI Agents at Retail Brokerages" tests AI agents from Claude, ChatGPT, and Gemini trading in funded accounts we own at Robinhood, Public, and Webull, with every order routed to a live market. The report also examines the portfolios and performance of 24 accounts from 34 robo-advice providers, and the Robo Ranking® Summer Edition grades providers on more than 45 individual metrics.
"This is a new and rapidly evolving area, and our first results are a first look, not a verdict," said Kristopher Jones, CFA. "We will keep the accounts open and keep publishing as longer records accumulate."
AI Agent Highlights
Setup is not for the average investor. Connecting an agent took API secrets, short-lived tokens, and configuration files. Robinhood was the easiest by a wide margin.
The brokerage matters more than the agent. Claude and ChatGPT scored identically at each brokerage on our 19-task capability test; the differences came from what each brokerage allows.
For most investors, a robo advisor still does the job with less risk. The agents built competent but generic 60/40 portfolios, and one confidently cited a trading rule that was repealed in June 2026.
Robo Ranking Highlights
Best Overall Robo Advisor
• Winner: Fidelity Go
• Runner-up: SoFi Automated Investing
Fidelity Go repeats as Best Overall Robo, pairing the best risk-adjusted returns in our tracked universe with a 0.35% fee, no minimum, strong planning tools, and tax-loss harvesting added in December 2025. SoFi follows as runner-up, with the widest five-year benchmark outperformance in our tracked universe (1.00%), a $50 minimum, and unlimited CFP planner access for SoFi Plus members.
Best Robo for Performance at a Low Cost
• Winner: Fidelity Go
• Runner-up: Wealthfront
Fidelity Go's large-cap tilt and municipal bond allocation drove a 0.42 five-year Sharpe ratio, the best in our tracked universe. Wealthfront outperformed its normalized benchmark by 0.52% over the same period.
Best Robo for First-Time Investors
• Winner: SoFi
• Runner-up: Fidelity Go
SoFi pairs a 0.25% fee and $50 minimum with debt consolidation, career coaching, and live financial planning.
Best Robo for Digital Financial Planning
• Winner: Empower
• Runner-up: Wealthfront
Empower and Wealthfront remain the standard for free, multi-goal online planning.
Best Robo for Complex Financial Planning
• Winner: Vanguard
• Runner-up: Empower
Vanguard offers live advisors from a $50,000 minimum at a 0.30% fee, with dedicated advisors at $500,000.
Robo Performance Highlights
One-Year Performance Winners: Betterment Innovative Technology, Schwab Domestic Focus, SoFi
Equity sleeves that far outpaced the broad U.S. market drove outperformance, even as small caps and emerging markets led the year.
Three-Year Performance Winners: SoFi, Fidelity Go, SigFig
Growth and large-cap positioning lifted these platforms while nearly every other portfolio trailed its benchmark.
Eight-Year Performance Winners: SoFi, Fidelity Go, Wealthfront
Durable domestic large-cap tilts made these the only portfolios in the eight-year cohort to beat their normalized benchmarks.
These results reflect our Normalized Benchmarking approach, which allows for a consistent comparison of globally diversified portfolios. Detailed methodology, along with the full Digital Advice Report and Robo Ranking®, can be accessed for free at condorcapital.com/digital-advice-report.
Stay connected with the Digital Advice Report on LinkedIn.
Usage and Disclaimers
Please review the Terms of Use Guidelines before subscribing or using our data. Any breach of the guidelines may result in a takedown notice, loss of subscription access, or further legal measures. For written consent or licensing, contact us at digitaladvicereport@condorcapital.com or call 732-893-8290 (ask for David Goldstone).
Disclaimer of Warranties:
Our research is provided "as is," without warranty. Condor Capital Wealth Management and affiliated entities disclaim all implied warranties, including but not limited to merchantability, fitness for a particular purpose, noninfringement, and timeliness. We bear no liability for investment decisions, damages, or losses resulting from using our data or materials. Past performance is not indicative of future results.
Some jurisdictions do not allow the exclusion or limitation of implied warranties, so these terms may not apply universally.
© 2026 Condor Capital Wealth Management. All rights reserved.
Digital Advice Report™, The Robo Report®, and The Robo Ranking® are trademarks of Condor Capital Wealth Management.
New this edition, "AI Agents at Retail Brokerages" tests AI agents from Claude, ChatGPT, and Gemini trading in funded accounts we own at Robinhood, Public, and Webull, with every order routed to a live market. The report also examines the portfolios and performance of 24 accounts from 34 robo-advice providers, and the Robo Ranking® Summer Edition grades providers on more than 45 individual metrics.
"This is a new and rapidly evolving area, and our first results are a first look, not a verdict," said Kristopher Jones, CFA. "We will keep the accounts open and keep publishing as longer records accumulate."
AI Agent Highlights
Setup is not for the average investor. Connecting an agent took API secrets, short-lived tokens, and configuration files. Robinhood was the easiest by a wide margin.
The brokerage matters more than the agent. Claude and ChatGPT scored identically at each brokerage on our 19-task capability test; the differences came from what each brokerage allows.
For most investors, a robo advisor still does the job with less risk. The agents built competent but generic 60/40 portfolios, and one confidently cited a trading rule that was repealed in June 2026.
Robo Ranking Highlights
Best Overall Robo Advisor
• Winner: Fidelity Go
• Runner-up: SoFi Automated Investing
Fidelity Go repeats as Best Overall Robo, pairing the best risk-adjusted returns in our tracked universe with a 0.35% fee, no minimum, strong planning tools, and tax-loss harvesting added in December 2025. SoFi follows as runner-up, with the widest five-year benchmark outperformance in our tracked universe (1.00%), a $50 minimum, and unlimited CFP planner access for SoFi Plus members.
Best Robo for Performance at a Low Cost
• Winner: Fidelity Go
• Runner-up: Wealthfront
Fidelity Go's large-cap tilt and municipal bond allocation drove a 0.42 five-year Sharpe ratio, the best in our tracked universe. Wealthfront outperformed its normalized benchmark by 0.52% over the same period.
Best Robo for First-Time Investors
• Winner: SoFi
• Runner-up: Fidelity Go
SoFi pairs a 0.25% fee and $50 minimum with debt consolidation, career coaching, and live financial planning.
Best Robo for Digital Financial Planning
• Winner: Empower
• Runner-up: Wealthfront
Empower and Wealthfront remain the standard for free, multi-goal online planning.
Best Robo for Complex Financial Planning
• Winner: Vanguard
• Runner-up: Empower
Vanguard offers live advisors from a $50,000 minimum at a 0.30% fee, with dedicated advisors at $500,000.
Robo Performance Highlights
One-Year Performance Winners: Betterment Innovative Technology, Schwab Domestic Focus, SoFi
Equity sleeves that far outpaced the broad U.S. market drove outperformance, even as small caps and emerging markets led the year.
Three-Year Performance Winners: SoFi, Fidelity Go, SigFig
Growth and large-cap positioning lifted these platforms while nearly every other portfolio trailed its benchmark.
Eight-Year Performance Winners: SoFi, Fidelity Go, Wealthfront
Durable domestic large-cap tilts made these the only portfolios in the eight-year cohort to beat their normalized benchmarks.
These results reflect our Normalized Benchmarking approach, which allows for a consistent comparison of globally diversified portfolios. Detailed methodology, along with the full Digital Advice Report and Robo Ranking®, can be accessed for free at condorcapital.com/digital-advice-report.
Stay connected with the Digital Advice Report on LinkedIn.
Usage and Disclaimers
Please review the Terms of Use Guidelines before subscribing or using our data. Any breach of the guidelines may result in a takedown notice, loss of subscription access, or further legal measures. For written consent or licensing, contact us at digitaladvicereport@condorcapital.com or call 732-893-8290 (ask for David Goldstone).
Disclaimer of Warranties:
Our research is provided "as is," without warranty. Condor Capital Wealth Management and affiliated entities disclaim all implied warranties, including but not limited to merchantability, fitness for a particular purpose, noninfringement, and timeliness. We bear no liability for investment decisions, damages, or losses resulting from using our data or materials. Past performance is not indicative of future results.
Some jurisdictions do not allow the exclusion or limitation of implied warranties, so these terms may not apply universally.
© 2026 Condor Capital Wealth Management. All rights reserved.
Digital Advice Report™, The Robo Report®, and The Robo Ranking® are trademarks of Condor Capital Wealth Management.
David Goldstone
Condor Capital Wealth Management
+1 7323567323
email us here
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