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.

Get recommendations across fees, taxes, risk, returns, and downside factors.

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.