I Tried Titan: My Full Review
Review
Updated
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Titan might be a fit for you if: You're a big-balance investor who wants a premium experience on mobile. Titan combines DIY with guided investing, letting you mix and match services like individual stock picking with robo-advisory portfolios. But perhaps its greatest strength is how easy it is to contact Titan advisors for questions regarding your finances.
We'll cover the biggest pros and disadvantages of Titan in the following Titan review.
Titan
Titan is an advisory-first brokerage that prioritizes easy access to financial advice. You can quickly book calls with financial advisors through the app, at no extra cost. In exchange, you'll pay hundreds of dollars per year, a hefty sum for small-balance investors.
0.20% advisory fee; $25 monthly or $250 annual membership fee
$500
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Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
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I started investing just before the 2020 stock market crash, about four years ago. Safety is important to me. I love brokers that keep things simple and well-insured. Since I'm a long-term investor, I prefer brokers that boost my retirement savings. At the very least, it should be easy for me to customize my retirement portfolio with 25-plus stocks.
I used Titan for investing in ARK Venture and Smart Cash. My experience was mixed.
I got what I expected: an easy way to put money in the ARK Venture fund and in Smart Cash. Neither of these were "core" Titan offerings when I invested in them. Titan prioritizes its managed investment funds, ARK Venture aside.
ARK Venture is the only venture fund Titan offers. I invested in it with a $500 minimum (separate from Titan's $500 minimum).
Smart Cash is a cash account that moves your money around Treasury-backed money market funds to earn you the best after-tax rate. It saved me time rate-hunting and moving money.
Since I opened a Titan account, the broker has added more investments:
Honestly, I'm not impressed with the new stuff. Sure, the individual stocks are a nice touch if I want Titan to be my main broker. I don't, though. I can invest elsewhere with lower fees and minimums. (Titan makes you trade at least $100 to buy individual stocks.)
The whole "exclusive reservations" thing screams fancy, but I didn't come to Titan for fancy. It's interesting, but not for me. It's also worth noting that all the listings I saw were in New York. Titan plans on expanding listings to other big cities like San Francisco and Los Angeles.
One unpleasant surprise (the one that motivated me to switch brokers) was fees. Initially, Titan charged percentage fees only. Now, Titan charges simpler and lower percentage-based fees, but also charges $25 monthly or $250 yearly. The unexpected change prompted me to switch brokers to SoFi Invest®; $250 yearly is too expensive for a small deposit.
Titan does bite-sized learning very well. Video or newsletter, it's hard to go wrong. I received daily lock screen notifications with short videos of what was going on in the stock market, plus general updates to Titan funds. I also subscribe to Titan's Three Things newsletter, which covers daily happenings in the markets. It's a great way to stay up to date on big market moves.
Tip: For weekly commentary on how Titan is buying/selling stocks on actively managed funds, open the Titan app and scroll down to "Latest Research." It's easy to miss updates, but you can view past updates in this section. It's a mix of text and short videos.
Titan has some of the best customer service I've seen, including financial advisors. You can easily reach out to customer service for general questions (i.e., how long does it take to withdraw money from Titan?) via the app, text, or phone. It has responded to my questions within 24 hours on business days. It's very professional, and it seems knowledgeable.
I'm impressed by the access to financial advisors. It's free to schedule 15-minute appointments with advisors. As of writing, you can schedule an appointment on an in-app calendar, broken down by days and 15-minute intervals. The earliest I could book my theoretical appointment is four days from now, on a weekday.
Titan could be worth a try if:
If these apply to you, Titan could be a great fit.
But if these don't apply, you're better off investing with a free or low-fee broker. That way, $25 monthly and 0.2% advisory fees don't eat into your returns.
Titan offers a mix of managed portfolios and individual stock picking. It leans much more heavily into the "managed portfolios" aspect of the app. Individual stock pickers may prefer investing through brokerage apps that don't restrict trading; it's why I never switched from Robinhood to Titan, despite opening a few accounts through Titan.
Titan's managed portfolios are its main selling point. The Flagship portfolio is actively managed, and it's supposed to beat the market. However, Titan claims most of its members' funds are kept in "low-cost, tax advantaged" passive investing strategies (automated stocks or bonds).
Titan also manages cash with Smart Cash, which moves money around Treasury-backed money market funds to find you the best deal. I loved this perk when rates were high and rising; new high-rate accounts flooded the market, and Titan made sifting through them automatic. It's a great perk when rates are moving. However, you still pay fees on Smart Cash, so it's not free.
Titan's personal trading accounts are limited. Your selected risk tolerance (conservative, moderate, or aggressive) will determine the stocks available for you to trade. Plus, Titan restricts you to $100 minimum per trade. Big balance investors may not have an issue with this, but double- or single-digit investors will struggle to fund accounts.
Titan combines a flat monthly membership fee with percentage-based management fees. Small investors, beware, these will quickly deplete account balances under five digits. But if you have hundreds of thousands to invest, you may find Titan's fee structure plenty reasonable.
You need to deposit $500 minimum to open an account with the broker. It's a lot of money for beginners looking to dip their toes in the market, especially compared to low-cost alternatives. I wouldn't recommend this to anyone dollar-cost-averaging less than $100 into stocks.
| Reason | Cost |
|---|---|
| Monthly membership fee | $25 monthly or $250 yearly |
| Advisory fee | 0.20% |
| Outgoing ACAT transfers | $100 per account |
| IRA termination fee | $100 per account |
Titan doesn't currently offer margin accounts. More to the point, Titan is a poor fit for frequent traders. It doesn't offer options or leverage; the idea is that Titan helps you manage your long-term wealth over many years, regardless of short-term market performance.
Titan does a lot to educate users. The app sends out daily notifications with portfolio updates, general stock market updates, and forward-looking statements. I subscribe to the company's free newsletter Three Things, which gives a useful and brief overview of three important things happening in the stock market daily.
Education and research is supplemented by videos. You can watch these by tapping lockscreen notifications. Expect these bite-sized updates to be brief and easy to understand, not heavy on number-crunching.
For questions, you can reach out to human advisors through the app. You can schedule 15-minute calls in a few taps. You can discuss how much cash you should hold, whether you're on track for retirement, and other wealth-related topics.
Titan Reserve Status is a premium membership tier for high-balance investors. It gives you extra perks and personalized attention from financial advisors. The latter perk seems to be the most interesting of the two. To join this premium tier, you must meet one of two requirements.
Requirements to earn Titan Reserve Status:
The perks include a dedicated one-on-one advisor, quarterly portfolio reviews, special drops, and priority reservations and responses through Titan Access. The best part seems to be the 1:1 financial advisor access. Having a dedicated advisor can help build trust and speed up conversations. Plus, quarterly reviews can keep you on track for your wealth-building goals.
Where this is going: To me, the addition of a premium membership with such strict requirements to join indicates that Titan is focusing its efforts on attracting big balance investors. It's likely that Titan will continue building out perks for big investors into the near future.
Titan's mobile-only app is slick and modern, black and white minimalist. Opening the app feels like stepping into a high-end bank. The home page features your overall wealth balance. Below your balance, you can see your open Titan accounts, and you can tap on these to dive deeper into the details. It's all very straightforward.
Other than the home page, you have "Manage," and "Access."
My main complaints are that I frequently get logged out and must re-enter my username and password. Plus, it takes a bit of digging to understand all the things you can invest in through Titan, which accounts you can open, and what they cost.
Titan offers limited customer service options. Responses tend to be prompt. I've never had an issue with Titan's service team.
You can contact Titan customer service a couple of ways:
For wealth-management questions, you can book 15-minute calls with Titan financial advisors, a rare perk. These are 1:1 calls you must schedule in advance. You may need to schedule these a few days in advance, depending on demand. Titan doesn't offer on-demand phone calls.
Titan is relatively secure. Your data is encrypted (256-bit), your investments are insured by the SIPC, and if you opt into cash sweeps, your cash is insured by the FDIC up to typical limits. This is all standard for investing apps like Titan.
Titan was founded in 2017, by Joe Percoco and Clay Gardner. The company was founded to give transparent, easy-to-understand financial advice to retail investors. Since then, the company has released a variety of investment portfolios.
In 2024, Titan switched its membership fees from advisory-only to include a flat monthly membership that favors big-balance investors. It also changed its application requirements to include a vetting process. You must apply for a waitlist before getting approved.
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Robinhood disclosure
All investments involve risk and loss of principal is possible.
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J.P Morgan Disclosure
INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
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INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
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