AI financial advisor comparison: PortfolioPilot vs Fidelity Go (2025)

According to Fidelity, Fidelity Go charges no advisory fee on balances under $25,000 and invests portfolios in proprietary Fidelity Flex® mutual funds with 0% expense ratios - a setup many investors don’t expect from a major robo (Fidelity, 2025). It also does not offer tax-loss harvesting, which some people may assume is standard in automated advice. Meanwhile, PortfolioPilot - an AI financial advisor from Global Predictions, an SEC-registered investment advisor - does not manage assets; instead, it analyzes a household’s existing accounts and provides ongoing recommendations across tax optimization, diversification, fees, dividend tracking, and retirement scenarios, while the investor retains day-to-day control. This article explains how Fidelity Go and PortfolioPilot differ on automation, scope, and day-to-day investor control. 

Key Takeaways

• Different models: Fidelity Go is a discretionary robo that trades for the client inside Fidelity; PortfolioPilot, by contrast, does not manage assets or execute trades; it provides analysis and educational recommendations across the accounts a user chooses to connect, and any decisions remain entirely user-directed.
• Pricing: Fidelity Go: $0 advisory fee < $25k; 0.35% at $25k+; invests in Flex funds (0% ER). PortfolioPilot: free net worth tracking available, with an optional paid tier that includes monthly recommendations.
• Taxes: Fidelity Go does not offer TLH; PortfolioPilot surfaces TLH opportunities and tax impact across linked accounts (user decides). 
• Breadth: Fidelity Go manages only Fidelity-custodied accounts and uses Flex mutual funds; PortfolioPilot connects multiple custodians and asset types (brokerage, retirement, real estate, crypto) and does not take trade authority. 

Fidelity Go: Discretionary robo with zero-ER Flex funds

Fidelity Go is built for hands-off investing. Once opened (no minimum; investing begins at $10), Strategic Advisers LLC manages the account, rebalancing as needed and investing primarily in Fidelity Flex® mutual funds that carry no fund expense ratios. Advisory fees are $0 below $25,000 and 0.35% per year at $ 25,000+. 

Important constraints: investors cannot pick individual securities in a Go account, and portfolios are limited to Fidelity’s Flex lineup. For taxable accounts, reviewers and Fidelity materials indicate no tax-loss harvesting is offered - an area where other robo-advisors sometimes differentiate. 

PortfolioPilot: Cross-platform AI analysis

PortfolioPilot operates as a robo-advisor utilizing AI rather than an asset-managing robo. Investors link accounts across custodians and asset types to receive monthly, personalized recommendations, tax impact/TLH surfacing, fee tracking, retirement planning, and estate planning. Execution remains with the investor - no trading authority is granted.

So what? This model favors investors who want breadth and control across multiple institutions, not just one managed sleeve.

Why the difference matters

Hypothetical: A 40-year-old has a $90,000 Roth IRA and $20,000 taxable account at Fidelity, plus a $60,000 401(k) elsewhere.

• With Fidelity Go, the Roth and taxable accounts can be fully automated inside Fidelity using Flex funds. There’s no TLH on the taxable sleeve, but rebalancing is handled for them. 
• With PortfolioPilot, all accounts, including the external 401(k), are analyzed together. The software highlights diversification gaps, tax drag, and potential loss-harvesting opportunities across the household; the investor chooses what to implement. 

So what? The choice is less about a single “best” tool and more about automation inside one custodian versus holistic oversight across many - and whether a person wants a service to trade for them or prefers to keep the steering wheel.

The comparison is based on publicly available information from each provider’s website as of 11/19/2025. Features, fees, and methodologies may change over time.