The Stash Stance on AI and New Technologies

Our actions are rooted in our fiduciary responsibility 

We are committed to empowering our millions of subscribers to take actions that are in their best interest. We are also required by law to do so, as a Registered Investment Adviser (RIA). In accordance with our long-standing policies, we make all decisions for our product and technology rooted in our fiduciary duty to our clients. That oversight extends to our:

Our actions are rooted in our fiduciary responsibility 

We lead our industry in how we apply guardrails within our platform. We uniquely design customer experiences to provide appropriate time for decision-making and encourage smart saving and investing, in service of fulfilling a promise to lead customers to solid financial footing. 

Though investing and saving can be risky endeavors, we are committed to delivering thoughtful guidance and advice that is integrated within the product—leveraging scalable technology such as generative AI, automatic investing on a schedule, Diversification Score, and consolidated trading windows to influence consumers towards the decisions that will support financial gains.

Oversight is embedded and transparent

Our technology is built under the guidance of our compliance and risk teams, with structural oversight for continuous feedback and improvement. Any violation of our requirements is immediately elevated and remedied, and we transparently explain the limitations of our advice. 

As examples, we do not offer single-stock investment advice, nor personalized guidance. Instead we direct subscribers to decisions based on our knowledge of best practices and investing for wealth-building—all for a subscription fee that mitigates any conflict of interest since we are not compensated on a per trade basis or on what investment products our clients buy.

We prioritize data privacy and security

We understand that using AI and new technologies in financial services raises important questions about data privacy, protection, and transparency. We take these concerns seriously, and customer data is safeguarded within our own closed system—other AI platforms can never view, manipulate, or store our customers’ information. Your data is yours alone.

Our decisions are an extension of the regulatory requirements to our clients

Our existing regulatory framework is the foundation for Stash, StashWorks, and Money Coach. Technology and generative AI specifically can be a tool to serve the greater good, but only if innovation is allowed to flourish. We are an advocate for leveraging the existing SEC guidance across our entire platform to protect our clients and our business model. Limiting the creation of new and duplicative  rules and regulation ensures that consumers get the benefits of technology, so that we can continue to democratize financial services for those who will benefit most.