Index investing that
gets youmore.

Just as easy as investing in an ETF, Frec Direct Indexing can help you earn more by unlocking tax savings, no matter the market.

Done for you, automatically.

Screenshot of Frec’s direct indexing product
Harvest up to 2x more tax losses than robo-advisors, for less than half the cost1

Next-level index investing

What if you could passively invest in the market while potentially saving thousands on your taxes?
It’s called Frec Direct Indexing.And it takes zero additional effort.
Tap to open the full screen modalSee how it works
Find out how much you could save on taxes
Featured in

Your money is
secure

Safety & privacy are our cornerstones

You always have access to your assets

Your funds are held in your name at third-party Apex Clearing, one of the largest US custodians holding over $114B in funds for prominent financial technology companies. In the unlikely event that something happens to Frec, your assets will be fully accessible.

We’re SEC regulated and a fiduciary

Frec is a Broker Dealer and Registered Investment Advisor. We’re regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). They both have the rights to perform regular audits. Plus, Frec Advisers is a fiduciary, meaning we are legally bound to do what is in your best interest.

Our technology is robust

We have strict measures in place to keep your data protected. Sensitive information is encrypted and measures like 2FA and auto log out are implemented for security. We’ve instilled transactional safety processes, ensuring that every transaction is monitored by a human. Our code is written securely and is regularly audited by third parties.

Your assets are insured

Frec is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

On top of this, Apex Clearing offers excess insurance protection with an aggregate of $150M.

We power

money market fund deposits

Choose from multiple indices

Choose from multiple options spanning market caps, sectors, and regions. Our indices are licensed directly from leading brands like S&P® and Russell®.

Don’t settle for ETFs—unlock the full potential of your investments.

And make it your own.
After choosing which indices to invest in, you can customize them by adding or excluding stocks or sectors. Make your portfolio personalized to you.

How much more could your portfolio grow by reinvesting your tax savings?

In 10 years, your portfolio could be worth
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more than investing in an ETF
Daily tax loss harvesting can capture up to $19 in incremental tax savings for every $100 deposited and tack on an incremental 2% per year.
Read important disclosures

See how we’re different

Features
ETFs
Robo-advisors
Invest in multiple direct indices
Daily tax loss harvesting of individual stocks
Customize by adding or excluding stocks and sectors
Transfer stock into direct indexing with tax efficiency
A robo-advisor is considered a digital platform that provides automated, algorithm-driven investment services with little human interaction. Frec Advisers is considered a robo-advisor. Robo-advisors typically charge an advisory fee based on assets in the portfolio. However, ETFs are exchange traded funds that are securities that trade on stock exchanges and typically charge a management fee shown as its expense ratio.
Account supportWe support individual, business, and trust accounts.

Sophisticated investing made simple

Get started with industry-low fees2

You can direct index for as little as a 0.10% annual AUM fee. That’s almost on par with SPY’s expense ratio of 0.09%, but with the additional benefit of tax loss harvesting and customization. Compare that to 0.25% at Wealthfront, 0.40% at traditional brokerages, and 1.0% for many wealth advisors.

Learn more about our pricing
Borrow against your direct index

Considering selling your stocks for a big purchase? You don’t have to. Tap into a portfolio line of credit against your direct index portfolio at industry low fees. Use our Sell or Borrow tool to see if borrowing from a portfolio line of credit is an option for you.

Borrowing against a portfolio line of credit adds to your risks. Read more about those risks in Frec’s Margin Disclosure.

Fund with stocks you already own
Set up your direct index with your existing stocks. You can easily transfer stocks or ETFs to Frec from your current brokerage, then fund your direct index, whether in-kind or to be sold tax efficiently over time.
Trade individual stocks
Like other brokerages, you can trade individual stocks and ETFs with zero commission fees in Frec’s self-directed account. Trade on your own or move them to your direct indexing when you’re ready.

Other fees may apply. See our Fee Schedule for more details.

Treasury

Why let your cash sit in a low-earning traditional bank account when it could be making you more?

Highly liquid & extremely secure

Set up recurring deposits from your bank account

Screenshot of Treasury's auto-deposit feature
For illustrative purposes only

Learn more

See all resources

FAQ

Have questions?

Meet with one of our licensed professionals who can give you an overview of Frec, answer your questions, and get you started with a free portfolio analysis.

Dimitri Rodrigo
Ashley Rodabaugh
How can we help?