You want to invest but you are sick of Wall Street greed? Then read this.

Wall Street works great. If you’re one of the wealthiest people in the country.

But for most Americans – and for the country as a whole – the way the financial industry currently works…just isn’t working.

That's why we created Aspiration -- a financial firm for the middle class that is committed to being the most customer-focused and charitable financial firm in America. And it's why our Aspiration Summit Account was recently named the "Best Checking Account in America" by Money magazine.

Dig deeper than the surface level rhetoric on the gap between the 1% and the 99% and the truth is that more and more of the investment world is concentrating on providing products and services to the super-rich – and treating America’s middle class as an afterthought.

Why? It’s no conspiracy. The simple reason is the same one Willie Sutton gave when asked why he robbed banks: “That’s where the money is.”

Rising inequality of wealth means there is more money to manage in the hands of the very rich: not the top 1%, but the top 0.1% -- the multi-millionaires whose income has truly skyrocketed in recent years.

And at the same time as Wall Street is looking past the middle class, most Americans feel a deep distrust for the largest financial firms – for some very good reasons. Too often, big institutions on Wall Street have shown they play by very different rules and work by very different values than everyday Americans.

The result is a vicious cycle where the wealth gap grows even larger with more everyday Americans sitting on the sidelines of the opportunities they need for asset-building and wealth-creation for themselves and their families.

It doesn’t have to be this way. Two years ago, we asked a question: what if there was an investment and financial firm that didn’t cater to the wealthiest few, trusted its customers, and helped its customers make money and make a difference at the same time?

The result is Aspiration – an online investment firm with a conscience that is built for the middle class. As the The Huffington Post wrote last month, Aspiration is “channeling Elizabeth Warren to change the face of banking.”

What makes Aspiration so different? Three things:

  • Focus on the middle class, not millionaires. Wall Street's investment banks and hedge and private equity funds have a customer base that is almost exclusively multi-millionaires and large institutions. On the other hand, all the SEC-registered investment products Aspiration creates and offers have a low $100 investment.

  • Trust customers to choose our fee. While Wall Street hits people with fees come rain or shine, we actually let the customer choose how much to pay us -- even if that is zero. At Aspiration, we don’t make a cent from our customers other than what they think we deserve. That means they can always know we will be working hard for them and living up to our values.

  • Turn "Greed is good" on its head. We are a financial firm on a mission to combine profit and purpose. Instead of spending customers’ fees lobbying against their interests, we donate ten cents of every dollar of our revenue to charities providing microloans and mentoring to help struggling Americans start their own businesses. And we make it easy for our customers to give to the cause of their choice.

Today, Aspiration is one of the fastest growing online investment platforms in America. And we’re doing it by showing that profits are important, but people are too – and you don’t have to sacrifice one for another.

The Aspiration Summit Account is an FDIC-insured checking account with a minimum $10 opening deposit that offers up to 100 times more interest than what you get from Big Banks, no monthly fees, and free access to every ATM in the world.

Sign up for an Aspiration Summit Account through this link, and start the process of leaving Wall Street behind. Instead of supporting the big banks and investment firms that charge unconscionable fees and use their profits to lobby against us, invest with a company that works to provide you value – and embody your values.

Andrei Cherny

Aspiration Fund Adviser, LLC is an SEC Registered Investment Advisor.

Aspiration defines “elite,” “wealthy,” “rich,” and “millionaires” as accredited and qualified investors and those who have been able to meet the historic minimums of private funds, including hedge funds and private equity funds. An investor's experience, objectives, and risk tolerance may differ from that of an “elite,” “rich,” “wealthy,” or "millionaire" investor, all of which should be considered when investing in alternatives.

Alternatives include but are not limited to: liquid alternatives, private equity, hedge funds, derivatives, venture capital, real estate, energy and natural resources, and distressed debt. Alternative investments may involve risks including limited liquidity, volatility, lack of transparency, lack of diversification, use of leverage, lack of regulation, and loss of investment.

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RETURNS. There is no guarantee that any investment product will achieve its objectives, generate profits, or avoid losses. Investing involves risk of loss and alternative investments may not be suitable for everyone. Before investing, consider your investment objectives.

"Aspiration," "Aspiration Do Well. Do Good.," "Aspiration Partners," "Pay What is Fair," "Everyday Investors," "Elite Investments," "Dimes Worth of Difference," and "Put Your Money Where Your Heart Is" are trademarks of Aspiration Partners, LLC. All Rights Reserved.

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