Ask questions in plain English
Our self assistant explains financial concepts, risks, and trade-offs in plain language, with source-backed answers — no jargon, no guesswork.
Self-powered education, not advice
Understand your money. Then choose the right broker.
Socratii is a self-powered education and broker-matching platform. Ask questions in plain English, learn at your own pace, and get matched to a registered broker-dealer that fits your goals — with no personalized buy/sell advice, ever.
Free to start · Not a broker-dealer or investment adviser · No commissions
Ask, learn, get matched
Plain-English answers and a transparent broker comparison, in one place.
Live on Socratii
Live market data
Market Center
A place to follow markets, screen stocks, and build watchlists alongside your own numbers — indices, stock and ETF detail, dividends, and more.
Quotes are delayed real-time data pulled live for this preview. For informational purposes only — not investment advice.
Market Overview
Loading…- Loading…
- Loading…
- Loading…
- Loading…
Stock Screener
Loading…A curated set of large-cap names with live prices. Filters below illustrate the experience — full filtering ships with account access.
- Sector: Technology & Healthcare
- Market Cap: Large
- Dividend Yield: Any
- P/E: Any
| Company | Symbol | Price | Change |
|---|---|---|---|
| Loading live quotes… | |||
Stock Detail Pages
Loading…
Loading…
—
—
—
- P/E Ratio—
- Market Cap—
- 52-Week Range—
- Dividend Yield—
ETF Center
Loading…- Loading…
- Loading…
- Loading…
- Loading…
Dividend Center
Loading…Live trailing-twelve-month dividend yields for a curated set of well-known dividend payers.
| Company | Yield (TTM) | Price |
|---|---|---|
| Loading live yields… | ||
Watchlists
Loading…
Example Watchlist
- …Loading…
How it works
From confused to confident, in four steps
Socratii pairs a self-guided conversational assistant with a transparent broker comparison — so you understand your options before you ever open an account.
Learn at your pace
Work through self-paced lessons on budgeting, investing, credit, retirement accounts, asset allocation, fees, and risk — whenever you have ten minutes.
Get matched to a broker
Answer a short questionnaire on your goals, timeline, and preferences. We run a transparent, rules-based comparison of fees, account types, and features across multiple registered broker-dealer partners — explainable, not a black box. Any commercial relationships are disclosed.
Open your account
Hand off directly to your chosen registered broker-dealer to open an account. They handle identity verification and suitability review — Socratii never touches your trades.
Curriculum
What you'll learn
Plain-language education for first-time investors and self-directed savers alike — start wherever your money questions are loudest today. It's a sample of the full library, which spans personal finance, investing, retirement, wealth management, and business finance.
01
Start here
Investing 101
ETFs vs. mutual funds, brokerage accounts, and risk — explained without the trading-floor jargon, so you can start with confidence.
Budgeting Basics
Build a budget that actually survives contact with real life — track spending, set limits, and find money you didn't know you had.
Understanding Credit
What actually moves your credit score, how to read a credit report, and how to borrow without it costing you later.
Saving for Retirement
401(k)s, IRAs, and other retirement account types — how much to set aside now so future-you isn't stuck playing catch-up.
Debt Management
A practical, judgment-free plan for paying down credit cards, loans, and everything in between — in an order that works.
Building Wealth
Asset allocation, fees, and risk — how they interact so you can turn good habits into lasting net worth.
These six are just a starting point.
Browse all topics
Test your knowledge
Self-guided learning quiz
Nine quick questions across the topics above. No sign-up, no scoring you against anyone else — just a plain-English check on where you're strong and where a lesson might help.
Trust & compliance
Education and advisor-matching. Never advice.
Trust is the whole product. Here's exactly where our role ends and a regulated advisor's role begins.
01
Registered partners handle your account
Every advisor we match you with is a registered investment advisor, bound by a fiduciary duty to act in your best interest at all times. They handle account opening, identity verification (KYC/AML), execution, and must disclose any conflicts of interest.
02
Subscription, not commission
Socratii is funded by subscriptions, not trade commissions. We have no financial incentive to push you toward any specific trade, product, or advisor.
03
Clear consent before every handoff
Before we ever hand you off to an advisor partner, we show you clear disclosures — including any commercial relationship — and ask for your consent.
In short
Socratii is an education and advisor-matching platform — not a broker-dealer, investment adviser, or bank. We don't hold your money, execute trades, or give personalized investment advice. Every account is opened and held with a registered advisor partner, who owes you a fiduciary duty — a legal obligation to act in your best interest and disclose any conflicts of interest — and who's responsible for identity verification (KYC/AML), trade execution, and custody. We're paid by subscription, not commission, so we have no financial incentive to steer you toward any specific trade, product, or partner — and we always disclose any commercial relationship and get your consent before any handoff.
Who actually holds your cash
Even "non-bank" firms sweep cash to an FDIC-insured bank
Every brokerage, RIA, and wealth manager we might match you with relies on a bank behind the scenes to hold and insure your uninvested cash — sometimes a bank the firm owns, sometimes an unaffiliated program bank. Here's the top 10 in each category and where that money actually sits, sourced from each firm's own disclosures.
Top 10 brokerage firms
| # | Brokerage firm | Bank partner(s) | Source |
|---|---|---|---|
| 1 | Fidelity Investments | Citibank, N.A.; Associated Bank, N.A.; BNY (3 of 10 program banks) | Fidelity |
| 2 | Charles Schwab | Charles Schwab Bank, SSB (proprietary); overflow to TD Bank, N.A. | Schwab |
| 3 | Vanguard | Citibank, N.A.; Wells Fargo Bank, N.A.; U.S. Bank N.A. (3 of 17) | Vanguard |
| 4 | Morgan Stanley / E*TRADE | Morgan Stanley Bank, N.A.; Morgan Stanley Private Bank, N.A. | E*TRADE |
| 5 | J.P. Morgan Self-Directed Investing | JPMorgan Chase Bank, N.A. | Chase |
| 6 | Merrill Edge | Bank of America, N.A. | Merrill |
| 7 | Edward Jones | American Express National Bank; Associated Bank, N.A.; BNY (3 of 30) | Edward Jones |
| 8 | Wells Fargo Advisors | Wells Fargo Bank, N.A. | Wells Fargo |
| 9 | Interactive Brokers | Program banks disclosed only to enrolled clients | IBKR |
| 10 | Robinhood | Goldman Sachs Bank USA; Wells Fargo Bank, N.A.; Citibank, N.A. (3 of 15) | Robinhood |
Top 10 registered investment advisors (RIAs)
| # | RIA firm | Custodian → bank partner | Source |
|---|---|---|---|
| 1 | CAPTRUST | Pershing, LLC → BNY Mellon, N.A.; also Schwab, Fidelity | Form ADV |
| 2 | Fisher Investments | Schwab → Charles Schwab Bank, SSB; Fidelity/NFS | Fisher |
| 3 | Edelman Financial Engines | Schwab → Charles Schwab Bank, SSB (majority) | Form ADV |
| 4 | Creative Planning | Schwab → Charles Schwab Bank, SSB; NFS/Fidelity; Ascensus | Creative Planning |
| 5 | Hightower Advisors | Fidelity; Schwab; Pershing → BNY Mellon, N.A. | Hightower |
| 6 | Focus Partners Wealth | Schwab; Fidelity/NFS; Pershing Advisor Solutions | Focus Partners |
| 7 | Corient | Schwab; Fidelity; Pershing, LLC → BNY Mellon, N.A. | Corient |
| 8 | Cerity Partners | Schwab; Fidelity; private funds at Wintrust, JPMorgan Chase Bank | Cerity Partners |
| 9 | Mariner Wealth Advisors | Schwab → Charles Schwab Bank, SSB; NFS/Fidelity | Mariner |
| 10 | Wealth Enhancement Group | Schwab; NFS/Fidelity; First International Bank & Trust | Wealth Enhancement |
Top 10 wealth management firms
| # | Wealth management firm | Bank partner | Source |
|---|---|---|---|
| 1 | Fidelity Investments | Fidelity Personal Trust Company, FSB | Fidelity |
| 2 | Charles Schwab | Charles Schwab Bank, SSB | Schwab |
| 3 | Morgan Stanley Wealth Management | Morgan Stanley Private Bank, National Association | Morgan Stanley |
| 4 | J.P. Morgan Private Bank | JPMorgan Chase Bank, N.A. | J.P. Morgan |
| 5 | UBS Global Wealth Management | UBS Bank USA, N.A. | UBS |
| 6 | Merrill / Bank of America Private Bank | Bank of America, N.A. | Bank of America |
| 7 | Goldman Sachs Private Wealth Management | Goldman Sachs Bank USA | Goldman Sachs |
| 8 | Edward Jones | Edward Jones Bank (FDIC-approved, opening ~2027) | FDIC |
| 9 | LPL Financial | The Private Trust Company, N.A. (non-depository) | SEC filing |
| 10 | Wells Fargo Wealth & Investment Management | Wells Fargo Bank, N.A. | Wells Fargo |
Rankings reflect each firm's latest disclosed client assets/AUM as of mid-2026. Bank partners can change — always confirm current cash-sweep or custody arrangements directly with the firm before opening an account.
Pricing
Simple, subscription-based pricing
No commissions, no transaction fees, and no incentive to steer you toward a specific trade. You pay for education and tools — nothing else.
Free
$0/mo
Everything you need to get started.
- Core self Q&A assistant
- Basic education content library
- Limited broker matching
Premium
$8–15/mo
For hands-on planning and family access.
- Everything in Free
- Advanced planning tools
- Deeper, source-backed explanations
- Saved scenarios
- Family access
- Portfolio education tools
Subscription-based, never commission-based — we don't earn more when you trade more.
What users say
Illustrative sample quotes
Real questions, real progress
I finally understand what's actually on my credit report — and what to do about it. The self assistant explained it better than any article I'd read.
Jordan M.
Sample user · Credit & budgeting
The broker comparison actually explained why one account fit me better — fees, account types, all laid out. No pressure, no pitch.
Aisha R.
Sample user · Broker matching
Opened my first brokerage account after the ETFs vs. mutual funds lesson. I liked that Socratii never told me what to buy — just what to consider.
Devon K.
Sample user · Investing 101
Get started
Start learning this week
Join free, ask the self assistant your first question, and get one short lesson a week — plus early access to broker-matching as new partners come online.