The amount of investable assets you have can impact:
What advisors you qualify to work with
The fees you pay (higher assets may qualify you for lower rates)
The complexity and structure advisors need to work on your account with
What counts as Investable Assets?
Investable assets are liquid or near-liquid assets you could invest with the help of a financial advisor. These do count:
- Cash in checking or savings accounts
Brokerage accounts (stocks, ETFs, bonds, etc.)
IRAs and Roth IRAs
401(k) or 403(b) (if you're no longer contributing via an employer)
Money market accounts
Trust assets
CDs and other short-term investment vehicles
These do not count as investable assets:
- Real estate (primary home or investment properties)
- Business ownership value (stock options, RSUs, etc)
Vehicles
Personal property (jewelry, art, etc.)
Pension or Social Security income
Pro Tip: If you're unsure, ask: “Could this money be moved or managed by an advisor?” If yes, it's likely investable.
