Oro

What is it?

When is it used most?

Financial Planning

A big-picture approach to managing your money. This includes budgeting, saving, setting financial goals, and planning for major life events.

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Fee Structures

How advisors can help

Why you should work with Habits

Habits brings together the best financial advisors for people who’ve outgrown doing it themselves.

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Top-Tier
Financial Advisor Network

The most formative years of anyone's financial plan is the start, yet the majority of financial advisors only cater to those nearing retirement. Habits advisors are different...

Financial advisors for any part of your financial journey

No asset or income minimums

Vetted for you by a national board of experts

Transparency of cost structures and specializations

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No Commitment
or Credit Card Required

All matches and intro meetings are made
at no cost to you.

Get started for free

How it works

As a ORO user, you get free access to the Habits app and a 1:1 onboarding call. Download the app, sign up on our dashboard, or book a call below.

Download the Habits app or create an account on our web dashboard

Input your information

Enter your information to receive personalized financial advisor matches

Book your introductions

Start booking free introduction calls with the advisors within the app

Get started for free

Frequently Asked Questions

Explore answers to our most frequently asked questions about Habits. Need more help? Contact us

How many advisors can I meet?

At Habits, there is no limit to the number of advisors you can meet but we recommend that you speak to at least two or three.

How does the algorithm work?

Our algorithm includes criteria set by both our users and advisors. It accounts for your financial situation, preferences and meeting style. This includes details such as your income, balance sheet and what you're looking for in a financial advisor.

Meanwhile, advisors have their own minimums, requirements and compensation structures.

You are presented with a curated list of advisors based on these preferences.

What should I expect in that first meeting with an advisor?

In meeting number one, consider it an opportunity to get to know your advisor, ask any questions and begin to see if you two are a fit. Here's a quick guide on questions you can ask and prepare.

How does Habits select the advisors on its platform?

Habits is an invite only platform and every advisor goes through a one-month application process, involving multiple conversations with different members of the team. Every advisor must also receive approval from our Selection Committee, made up of industry experts including the former Vice Chairman of J.P. Morgan.

What kind of financial advice can I expect to receive?

The beautiful part of Habits, is the diversity of expertise, background and knowledge of its advisor network. You can expect to find guidance across taxes, investing, preparing for life after your career, cash-flow, buying your first house, or anything related to your financial situation. For more details on the advice you can expect to receive, check out our Guide to Financial Advice.

I have another question...

Great. Please contact us by email.

Find your Financial Advisor Through Habits

Find your Financial Advisor
Through Habits