{"id":29619,"date":"2026-06-15T18:48:26","date_gmt":"2026-06-15T18:48:26","guid":{"rendered":"https:\/\/ark7.com\/blog\/?p=29619"},"modified":"2026-06-15T18:49:33","modified_gmt":"2026-06-15T18:49:33","slug":"online-investing-platforms-empty-nesters","status":"publish","type":"post","link":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/","title":{"rendered":"Best Online Investing Platforms For Empty Nesters in 2026"},"content":{"rendered":"\n<p>After 18 years of tuition, household expenses, and a full-family budget, empty nesters face a jarring financial rebalancing. More disposable income now, but a shorter runway before retirement and the psychological weight of shifting from accumulation to income generation. The savings gap is stark: the average retiree holds $288,700, far below the $823,800 most report needing, according to <a href=\"https:\/\/listwithclever.com\/research\/retirement-statistics\/\">Clever Real Estate&#8217;s 2026 Retirement Survey<\/a>. The best online investing platforms for empty nesters in 2026 combine low fees, income options, and the flexibility to match this life stage. We evaluated traditional brokerages and real estate investment platforms on minimums, fees, and income frequency. Ark7 leads for empty nesters who want monthly real estate income with a <a href=\"https:\/\/ark7.com\">$20 minimum and no accreditation required<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Takeaways<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monthly income matters more for empty nesters than for general investors. Platforms that pay monthly dividends (Ark7) fill a cash-flow gap that quarterly-paying investments leave open.<\/li>\n\n\n\n<li>The right platform depends on your timeline. Those still working can prioritize growth; those nearing retirement should weight income and capital preservation.<\/li>\n\n\n\n<li>Traditional brokerages like Fidelity and Schwab offer low-cost index investing and human advisor access for hands-off portfolio management.<\/li>\n\n\n\n<li>Real estate platforms open property ownership to non-accredited investors with minimums as low as $20, though liquidity varies significantly between platforms.<\/li>\n\n\n\n<li>Fractional real estate platforms with secondary markets provide options for investors who want income without locking up capital for half a decade.<\/li>\n\n\n\n<li>A diversified approach, mixing low-cost index funds with income-producing real estate, can address both growth and cash-flow needs.<\/li>\n<\/ul>\n\n\n\n<div class=\"bg-blue-grey-1 padding-32px border-radius-12px margin-20px-t margin-20px-b\">\t \n  <div class=\"bg-white text-center padding-20px-v border-radius-8px\">\t \n    <h3 class=\"margin-auto display-block\">New to passive real estate investing?<\/h3>\t \n    <a class=\"margin-auto a7-button\" href=\"https:\/\/ark7.com\/?tc=K8L9N\" target=\"_blank\" rel=\"noopener\">Explore Ark7 Opportunities<\/a>\t \n  <\/div>\t \n<\/div>\n<div class=\"ark7-property-list padding-20px-v margin-20px-t margin-20px-b\" data-tags=\"SEOWidgetFeatured\" data-tc=\"K8L9N\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What To Look For In Investing Platforms as an Empty Nester<\/strong><\/h2>\n\n\n\n<p>Not every investing platform serves this life stage equally. Empty nesters typically have 10 to 20 years of earning potential left, a paid-down or paid-off home, and children who no longer depend on their income. The priorities shift from pure growth to a balance of income, preservation, and catch-up savings.<\/p>\n\n\n\n<p>Income frequency matters. Traditional brokerages pay dividends quarterly, and bonds pay semi-annually. Platforms that distribute monthly better match the rhythm of monthly expenses.<\/p>\n\n\n\n<p>Minimum investment thresholds determine how quickly you can deploy capital. Platforms with no minimum or low minimums ($20 or less) let empty nesters test a new strategy before committing significant funds.<\/p>\n\n\n\n<p>Liquidity becomes more important as retirement approaches. Platforms with secondary markets or daily trading give empty nesters more control over their capital for unexpected expenses.<\/p>\n\n\n\n<p>Fee structures directly affect net returns. Zero-commission brokerages and platforms with no annual asset-under-management fees preserve more of the portfolio for living expenses.<\/p>\n\n\n\n<p>Retirement planning support, RMD calculators, Social Security timing tools, and CFP access add value for empty nesters who need more than just a trading interface. For readers new to the concept, <a href=\"https:\/\/ark7.com\/blog\/articles\/how-to-invest-in-real-estate-when-you-dont-have-a-lot-of-money\/\">fractional real estate investing<\/a> offers a way to own property without the complexities of being a landlord.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Empty Nesters Need a Different Investing Approach<\/strong><\/h2>\n\n\n\n<p>Empty nesters, typically ages 45 to 65, sit in a financial transition zone. College tuition payments have stopped. The family home may be downsized or paid off. But retirement is still a decade or more away, which means there is time to make portfolio changes but not time to recover from major losses.<\/p>\n\n\n\n<p>Retirement savings still lag for most. The average retiree holds $288,700 in savings, far below the $823,800 most say they need, according to <a href=\"https:\/\/listwithclever.com\/research\/retirement-statistics\/\">Clever Real Estate&#8217;s 2026 Retirement Survey<\/a>. After years of funding college tuition and household expenses, many empty nesters find their retirement accounts fall short. Catch-up contribution rules allow those 50 and older to contribute an extra $8,000 to 401(k) plans and an extra $1,100 to IRAs in 2026.<\/p>\n\n\n\n<p>Making the psychological shift from saving to spending is one of the hardest transitions in personal finance. After decades of disciplined accumulation, empty nesters must learn to draw down their portfolios, and the platforms they use need to support that transition with income-focused tools and automated withdrawal options.<\/p>\n\n\n\n<p>Real estate crowdfunding, valued at <a href=\"https:\/\/www.researchnester.com\/reports\/real-estate-crowdfunding-market\/2874\">$31.07 billion in 2026<\/a>, is growing at an estimated 30 to 45 percent CAGR as more investors seek passive-income alternatives to stocks and bonds. Traditional brokerages handle stocks, bonds, and ETFs well, but they offer limited options for monthly real estate income. Platforms that distribute monthly dividends can fill that gap without the duties of being a landlord.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Top Online Investing Platforms for Empty Nesters in 2026<\/strong><\/h2>\n\n\n\n<p>The best online investing platforms for empty nesters in 2026 combine low fees, monthly income options, and retirement planning support. Ark7 leads for monthly real estate income, while Fidelity and Schwab serve traditional brokerage needs with CFP access.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Platform<\/strong><\/th><th><strong>Category<\/strong><\/th><th><strong>Minimum<\/strong><\/th><th><strong>Fee on $50K Portfolio<\/strong><\/th><th><strong>Monthly Income<\/strong><\/th><th><strong>Human Advisor<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Ark7<\/strong><\/td><td>Fractional real estate income<\/td><td>$20<\/td><td>$0 (no AUM fee)<\/td><td>Yes (monthly dividends)<\/td><td>No<\/td><\/tr><tr><td><strong>Fidelity<\/strong><\/td><td>All-in-one brokerage + index funds<\/td><td>$0<\/td><td>$0 (DIY) \/ $175 (Fidelity Go)<\/td><td>Quarterly dividends<\/td><td>Coaching ($25K+)<\/td><\/tr><tr><td><strong>Charles Schwab<\/strong><\/td><td>In-person advice + retirement income<\/td><td>$0<\/td><td>$0 (DIY) \/ $660\/yr (Premium)<\/td><td>Automated withdrawals available<\/td><td>CFP (Premium tier)<\/td><\/tr><tr><td><strong>Vanguard<\/strong><\/td><td>Low-cost index investing<\/td><td>$0 (DIY) \/ $50K (PAS)<\/td><td>$0 (DIY) \/ $150 (PAS)<\/td><td>Quarterly dividends<\/td><td>CFP ($50K+\/PAS)<\/td><\/tr><tr><td><strong>Betterment<\/strong><\/td><td>Automated robo-investing<\/td><td>$0<\/td><td>$125 (Digital plan)<\/td><td>Quarterly dividends<\/td><td>CFP ($100K+)<\/td><\/tr><tr><td><strong>Fundrise<\/strong><\/td><td>Real estate fund diversification<\/td><td>$10 (app)<\/td><td>~$500 (1% AUM)<\/td><td>Quarterly dividends<\/td><td>No<\/td><\/tr><tr><td><strong>Arrived<\/strong><\/td><td>Fractional rental properties<\/td><td>$100<\/td><td>Varies (sourcing + mgmt fees)<\/td><td>Dividends ~3.6-3.9% yield<\/td><td>No<\/td><\/tr><tr><td><strong>M1 Finance<\/strong><\/td><td>DIY Pie portfolios with automation<\/td><td>$100<\/td><td>$0\u2013$36 flat fee<\/td><td>Systematic withdrawals<\/td><td>No<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quick-Reference List<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ark7.<\/strong> Fractional real estate investing with $20 minimum and monthly dividends.<\/li>\n\n\n\n<li><strong>Fidelity.<\/strong> $0 commissions, zero-fee index funds, full-service brokerage.<\/li>\n\n\n\n<li><strong>Charles Schwab.<\/strong> 400+ physical branches, automated retirement income tools.<\/li>\n\n\n\n<li><strong>Vanguard.<\/strong> Ultra-low expense ratios and investor-owned fund structure.<\/li>\n\n\n\n<li><strong>Betterment.<\/strong> Automated robo-investing with goal-based portfolio management.<\/li>\n\n\n\n<li><strong>Fundrise.<\/strong> Real estate fund diversification with $10 minimum entry point.<\/li>\n\n\n\n<li><strong>Arrived.<\/strong> Fractional single-family rental properties backed by Bezos Expeditions.<\/li>\n\n\n\n<li><strong>M1 Finance.<\/strong> Custom Pie portfolios with automatic rebalancing and flat fees.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Ark7<\/strong><\/h3>\n\n\n\n<p>Ark7 lets investors buy shares of individual rental properties starting at $20 per share. The platform handles property sourcing, leasing, maintenance, and tenant relations so investors receive monthly dividend distributions without landlord responsibilities. With over 300,000 active investors and more than $30 million in funded property value, Ark7 has distributed over $4 million in cumulative cash dividends to its investor base.<\/p>\n\n\n\n<p>Monthly dividends arrive on the 3rd of each month, a cadence that aligns with typical household bill cycles. Most real estate investment vehicles, REITs, eREITs, and rental fund shares, pay quarterly or semi-annually. Ark7&#8217;s <a href=\"https:\/\/www.ark7.com\">monthly dividend<\/a> structure gives empty nesters a predictable income stream that behaves more like a pension check than a traditional investment distribution.<\/p>\n\n\n\n<p>The platform charges no annual asset-under-management fee, a differentiator in the fractional real estate space. Fees are tied only to transactions: a 3% sourcing fee at acquisition and an 8% to 15% property management fee based on rental term length. There are no trading fees for buying or selling shares on the secondary market after the 12-month hold period.<\/p>\n\n\n\n<p><strong>Past performance:<\/strong> In May 2026, Ark7 distributed $88,474.79 in dividends at a 4.16% annualized return with a 92.50% portfolio occupancy rate. Top-performing properties include Urbana-S11 at 7.54% and DFW-S19 at 7.45% annualized yield. Past performance does not guarantee future results.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What sets Ark7 apart<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>$20 minimum investment<\/strong>, the lowest share price in fractional real estate, making property ownership accessible without a large upfront commitment<\/li>\n\n\n\n<li><strong>Monthly dividends paid on the 3rd<\/strong>, aligns with monthly expenses rather than quarterly or semi-annual schedules<\/li>\n\n\n\n<li><strong>Zero AUM fees<\/strong>, no annual asset-under-management fee, which means more of each dollar stays invested (see the how it works page for fee details)<\/li>\n\n\n\n<li><strong>SEC-registered secondary market<\/strong>, shares trade via PPEX ATS after the 12-month hold period, with over $348,000 in trading volume and 30 of 42 properties actively trading<\/li>\n\n\n\n<li><strong>Direct property selection<\/strong>, investors choose individual properties rather than pooled funds, giving control over geographic and risk exposure<\/li>\n\n\n\n<li><strong>Fully managed<\/strong>, no landlord duties, tenant calls, or maintenance coordination for the investor<\/li>\n\n\n\n<li><strong>IRA-eligible<\/strong>, Traditional and Roth self-directed IRA accounts supported<\/li>\n<\/ul>\n\n\n\n<p>Platforms that combine low minimums, monthly distributions, and a secondary market address the specific needs of empty nesters who want real estate exposure without locking up capital for years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Ideal for<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empty nesters who want monthly real estate income without active property management<\/li>\n\n\n\n<li>Investors with small starting capital who want to test fractional real estate before committing additional funds<\/li>\n\n\n\n<li>Those who prefer selecting individual properties over pooled fund exposure<\/li>\n\n\n\n<li>Non-accredited investors seeking SEC-qualified real estate offerings<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Getting started<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/ark7.com\">Browse available properties \u2192<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Fidelity<\/strong><\/h3>\n\n\n\n<p>Fidelity is a full-service brokerage offering $0 commissions, $0 account minimums, and a broad investment selection including stocks, ETFs, mutual funds, bonds, and fractional shares starting at $1. The platform was named Best for Beginning Investors in NerdWallet&#8217;s 2026 evaluation.<\/p>\n\n\n\n<p>Fidelity&#8217;s zero-expense-ratio index fund FZROX charges 0.00% annually, making it a cost-effective core holding for empty nesters building a passive portfolio. The Fidelity Go robo-advisor charges no fee for accounts under $25,000 and 0.35% annually on balances above that threshold (Fidelity pricing page). Dividend screening tools and an income calendar help investors track and project their cash flow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$0 commissions on stock and ETF trades, $0 account minimums<\/li>\n\n\n\n<li>Fractional shares available from $1<\/li>\n\n\n\n<li>Fidelity Go robo-advisor: $0 under $25K, 0.35%\/yr above<\/li>\n\n\n\n<li>Coaching available for accounts with $25,000+ balances<\/li>\n\n\n\n<li>Dividend income calendar and screening tools<\/li>\n\n\n\n<li>IRA and 401(k) rollover support<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pricing<\/strong><\/h3>\n\n\n\n<p>DIY investing is free. Fidelity Go costs 0.35% per year for accounts over $25,000 (Fidelity Go overview). Account minimum is $0.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Charles Schwab<\/strong><\/h3>\n\n\n\n<p>Charles Schwab combines commission-free trading with a robust retirement income platform. Schwab Intelligent Portfolios Premium offers unlimited access to a Certified Financial Planner for a $300 setup fee plus $30 per month, covering retirement income planning, Social Security timing, Medicare advice, and RMD calculations. The automated withdrawal engine generates consistent monthly income from a portfolio, which addresses the empty nester need for predictable cash flow.<\/p>\n\n\n\n<p>The platform provides over 3,000 commission-free ETFs (Schwab ETFs), fractional shares, and access to thinkorswim, the advanced trading platform acquired through the TD Ameritrade merger. With 400+ physical branches, Schwab offers in-person support alongside its digital platform.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3,000+ commission-free ETFs and fractional share trading, Schwab ETFs<\/li>\n\n\n\n<li>Schwab Intelligent Portfolios Premium with unlimited CFP access ($300 + $30\/mo), Schwab Intelligent Portfolios<\/li>\n\n\n\n<li>Automated withdrawal engine for monthly income<\/li>\n\n\n\n<li>RMD calculation and distribution management<\/li>\n\n\n\n<li>Social Security timing and Medicare consultation<\/li>\n\n\n\n<li>400+ physical branch locations<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pricing<\/strong><\/h3>\n\n\n\n<p>DIY trading is commission-free. Intelligent Portfolios Premium costs $300 setup plus $30 per month ($660\/year) (Schwab fee details). Account minimum for Premium is $25,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Vanguard<\/strong><\/h3>\n\n\n\n<p>Vanguard&#8217;s investor-owned structure keeps costs low by returning profits to fund holders. The platform offers ultra-low expense ratios on index funds, VTI at 0.03% and VTSAX at 0.04%, making it a strong choice for empty nesters who prioritize cost minimization. Vanguard Personal Advisor Services provides access to a certified financial planner at 0.30% per year with a $50,000 minimum, covering retirement income planning, Social Security optimization, and estate planning coordination.<\/p>\n\n\n\n<p>Vanguard&#8217;s default cash sweep option, VMFXX, offers competitive yields, which avoids the cash drag that plagues brokerages with low-yield default sweep accounts. For empty nesters who hold cash reserves, this difference can amount to thousands of dollars per year in lost interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ultra-low expense ratios: VTI at 0.03%, VTSAX at 0.04%<\/li>\n\n\n\n<li>Vanguard Personal Advisor Services at 0.30%\/yr with CFP access ($50K minimum), Vanguard PAS<\/li>\n\n\n\n<li>Retirement income planning and Social Security optimization<\/li>\n\n\n\n<li>Estate planning coordination<\/li>\n\n\n\n<li>Competitive default cash sweep yield (VMFXX)<\/li>\n\n\n\n<li>Investor-owned structure, profits returned to fund holders<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pricing<\/strong><\/h3>\n\n\n\n<p>DIY investing is free. Personal Advisor Services costs 0.30% per year ($150 per year on a $50,000 portfolio) per Vanguard PAS. Account minimum is $0 for DIY, $50,000 for PAS.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Betterment<\/strong><\/h3>\n\n\n\n<p>Betterment is a robo-advisor that handles portfolio construction, rebalancing, and tax-loss harvesting automatically with no fund decisions required from the investor. The Digital plan charges 0.25% annually with a $0 minimum, making it one of the most accessible automated investing platforms. The Premium plan adds unlimited CFP access at 0.65% annually with a $100,000 minimum.<\/p>\n\n\n\n<p>For empty nesters who prefer a hands-off approach, Betterment&#8217;s goal-based retirement tracking includes income drawdown modeling that projects how long a portfolio will last under different spending scenarios. Automatic rebalancing keeps asset allocation aligned with the investor&#8217;s risk profile without manual intervention.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Digital plan: 0.25% annual fee, $0 minimum, Betterment pricing<\/li>\n\n\n\n<li>Premium plan: 0.65% annual fee with unlimited CFP access ($100K minimum)<\/li>\n\n\n\n<li>Goal-based retirement tracking with income drawdown modeling<\/li>\n\n\n\n<li>Automatic rebalancing and tax-loss harvesting<\/li>\n\n\n\n<li>No fund selection required<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pricing<\/strong><\/h3>\n\n\n\n<p>Digital plan costs 0.25% per year ($125 per year on a $50,000 portfolio). Premium plan costs 0.65% per year with a $100,000 minimum (Betterment pricing).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Fundrise<\/strong><\/h3>\n\n\n\n<p>Fundrise offers real estate fund shares (eREITs) with a $10 minimum (app minimum; $1,000 fund prospectus minimum), the lowest entry point in the real estate crowdfunding space. Fundrise charges approximately 1.0% annually in combined management and advisory fees.<\/p>\n\n\n\n<p>The Fundrise Income Real Estate Fund returned 8.27% in 2025, per its <a href=\"https:\/\/www.sec.gov\/Archives\/edgar\/data\/1885551\/000188555126000015\/primary-document.htm\">SEC annual report<\/a>. The platform operates on a quarterly dividend schedule, and redemptions are processed quarterly, though some investors have reported delays of several months during periods of high redemption volume, including during the 2026 eREIT consolidation merger.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$10 minimum (app minimum; $1,000 fund prospectus minimum), lowest entry point<\/li>\n\n\n\n<li>Quarterly dividend distributions<\/li>\n\n\n\n<li>Fundrise Income Real Estate Fund returned 8.27% in 2025<\/li>\n\n\n\n<li>14-year operating history in the space<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pricing<\/strong><\/h3>\n\n\n\n<p>$10 minimum (app minimum; $1,000 fund prospectus minimum). Fundrise Pro costs $99\/year (free with $5,000+ balance).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7. Arrived<\/strong><\/h3>\n\n\n\n<p>Arrived provides fractional shares of single-family rental properties with a $100 minimum investment. The platform is fully passive; Arrived manages property acquisition, maintenance, and tenant relations.<\/p>\n\n\n\n<p>Arrived&#8217;s dividend yields typically range from 3.6% to 3.9%. The platform requires a 5- to 7-year hold period with no formal secondary market for early exits. The Arrived Private Credit Fund offers an 8.1% yield for investors seeking higher income within the platform ecosystem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$100 minimum investment in fractional rental properties<\/li>\n\n\n\n<li>Backed by Jeff Bezos Expeditions and Marc Benioff<\/li>\n\n\n\n<li>173 exited properties averaged 18.6% total return<\/li>\n\n\n\n<li>Private Credit Fund yields 8.1%<\/li>\n\n\n\n<li>Fully passive, no landlord responsibilities<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pricing<\/strong><\/h3>\n\n\n\n<p>$100 minimum. Fees include a 3.5% to 5% sourcing fee plus property management fees of 8% to 25% of rent. Quarterly AUM fee of approximately 0.15%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8. M1 Finance<\/strong><\/h3>\n\n\n\n<p>M1 Finance offers a self-directed portfolio platform built around custom &#8220;Pie&#8221; portfolios. Investors choose stocks and ETFs, set target allocations, and the platform automatically rebalances deposits and dividends toward those targets. M1 charges a $3\/month platform fee (waived for balances above $10,000 or with an active M1 Personal Loan, per M1&#8217;s fee disclosure).<\/p>\n\n\n\n<p>M1&#8217;s systematic withdrawal management allows empty nesters to set up recurring income distributions from their portfolio. At a $100,000 balance, M1 costs $0 per year (fee waived above $10,000 per M1&#8217;s fee disclosure) compared to $250 for Betterment (Betterment pricing), making it one of the lowest-cost options for investors who want automated management without full robo-advisor fees.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$3\/mo platform fee (waived above $10K), M1 Platform Fee Disclosure<\/li>\n\n\n\n<li>Custom &#8220;Pie&#8221; portfolios with automatic rebalancing<\/li>\n\n\n\n<li>Systematic withdrawal management for income<\/li>\n\n\n\n<li>Dividend reinvestment automation<\/li>\n\n\n\n<li>No management fees for self-directed portfolios<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pricing<\/strong><\/h3>\n\n\n\n<p>$3\/month platform fee (waived with $10,000+ balance) per M1 Platform Fee Disclosure. $100 minimum to open a brokerage account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Choosing the Right Platform for Your Retirement Timeline<\/strong><\/h2>\n\n\n\n<p>A 47-year-old empty nester with 18 years until retirement has different needs from a 62-year-old planning to retire next year.<\/p>\n\n\n\n<p>For empty nesters still 10 or more years from retirement, growth-oriented platforms with low-cost index funds and automated rebalancing make sense. Fidelity and Vanguard offer zero-fee or ultra-low-fee index funds that compound efficiently over a decade-plus horizon.<\/p>\n\n\n\n<p>For empty nesters within five years of retirement, the priority shifts to income frequency and preservation. Platforms that offer monthly dividend distributions can replace the paycheck psychology with a monthly income cadence. Automated withdrawal tools, available through Schwab and M1 Finance, help retirees set income on autopilot.<\/p>\n\n\n\n<p>For empty nesters already in retirement, RMD support and human advisor access become deciding factors. Vanguard Personal Advisor Services and Schwab Intelligent Portfolios Premium both offer CFP access and RMD calculation tools, with fee structures that favor different portfolio sizes.<\/p>\n\n\n\n<p>Regardless of timeline, liquidity matters. Platforms with secondary markets or daily trading give empty nesters the ability to access capital when unexpected expenses arise. Consult a licensed financial advisor for personalized portfolio decisions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQ: Investing as an Empty Nester<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How much money do empty nesters need for retirement?<\/strong><\/h3>\n\n\n\n<p>Retirement needs vary by lifestyle, but many empty nesters target the $823,800 average most retirees report needing as their savings goal, according to <a href=\"https:\/\/www.prnewswire.com\/news-releases\/retirees-say-824-000-is-needed-to-retire-comfortably--but-average-just-289-000-in-savings-302659353.html\">Clever Real Estate&#8217;s 2026 Retirement Survey<\/a>. A common starting point is the 4% rule, withdrawing 4% of portfolio value annually, which on that target produces roughly $32,952 per year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What are catch-up contributions for retirement?<\/strong><\/h3>\n\n\n\n<p>In 2026, individuals aged 50 and older can contribute an extra $8,000 to 401(k) plans and an extra $1,100 to IRAs beyond the standard limits. These additional contributions help empty nesters accelerate savings in their final working years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>When do RMDs start?<\/strong><\/h3>\n\n\n\n<p>Required minimum distributions from traditional retirement accounts begin at age 73 for most account holders. The age threshold will increase to 75 starting in 2033. Roth IRAs are not subject to RMDs during the original owner&#8217;s lifetime.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What is fractional real estate investing?<\/strong><\/h3>\n\n\n\n<p>Fractional real estate investing allows multiple investors to purchase shares of a single rental property, dividing the ownership, rental income, and appreciation among them. Platforms handle property management while investors collect proportional dividends.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can I invest in real estate without being a landlord?<\/strong><\/h3>\n\n\n\n<p>Yes. Fractional real estate platforms and REITs both provide real estate exposure without landlord responsibilities. Fractional platforms let you choose individual properties, while REITs pool capital into diversified portfolios.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How do I choose between a robo-advisor and a human advisor?<\/strong><\/h3>\n\n\n\n<p>Robo-advisors work well for empty nesters who want automated portfolio management at a low cost. Human advisors add value for complex situations involving Social Security timing, RMD planning, tax strategy, and estate coordination.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How do I transition from saving to spending in retirement?<\/strong><\/h3>\n\n\n\n<p>Set up automated monthly withdrawals from a dividend-focused account to mimic a paycheck rhythm. This practical step helps empty nesters shift from accumulation to spending mode with less psychological friction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Verdict: Choosing Your Investment Platform<\/strong><\/h2>\n\n\n\n<p>The platforms that work best for empty nesters depend on your timeline, income needs, and whether you want full control or a hands-off approach. The most common gap we see is cash flow: traditional brokerages and REITs distribute income quarterly or semi-annually, while monthly expenses arrive every 30 days.<\/p>\n\n\n\n<p>Fractional real estate platforms that pay monthly dividends can fill that gap. Ark7, with a $20 minimum, monthly dividends, and a secondary market for liquidity (details on Ark7&#8217;s official site), is one option for empty nesters who want real estate income without active management duties. Traditional brokerages like Fidelity and Schwab remain strong choices for the core portfolio foundation.<\/p>\n\n\n\n<p>A balanced approach often involves both: a core of low-cost index funds paired with an income-producing real estate allocation through a platform that distributes monthly and offers liquidity.<\/p>\n\n\n\n<p><strong>Disclosure:<\/strong> This content is for educational and informational purposes only and does not constitute financial advice. Past performance does not guarantee future results. Real estate investments carry risk, including potential loss of principal. All investing involves risk. Consult a licensed financial advisor for personalized portfolio decisions.<\/p>\n\n\n\n<p><a href=\"https:\/\/ark7.com\">Start investing with $20 \u2192<\/a><\/p>\n\n\n\n<p><em>The information provided on this page is for educational purposes only and does not constitute financial or investment advice. Past performance does not guarantee future results. Real estate investing carries risks, including potential loss of principal. Consult a licensed financial advisor for personalized investment guidance.<\/em><em>&nbsp;<\/em><\/p>\n\n\n\n<div class=\"bg-blue-grey-1 padding-32px border-radius-12px margin-20px-t margin-20px-b\">\t \n  <div class=\"bg-white text-center padding-20px-v border-radius-8px\">\t \n    <h3 class=\"margin-auto display-block\">New to passive real estate investing?<\/h3>\t \n    <a class=\"margin-auto a7-button\" href=\"https:\/\/ark7.com\/?tc=K8L9N\" target=\"_blank\" rel=\"noopener\">Explore Ark7 Opportunities<\/a>\t \n  <\/div>\t \n<\/div>\n<div class=\"ark7-property-list padding-20px-v margin-20px-t margin-20px-b\" data-tags=\"SEOWidgetFeatured\" data-tc=\"K8L9N\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>After 18 years of tuition, household expenses, and a full-family budget, empty nesters face a jarring financial rebalancing. More disposable income now, but a shorter runway before retirement and the psychological weight of shifting from accumulation to income generation. The savings gap is stark: the average retiree holds $288,700, far below the $823,800 most report &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/\"> <span class=\"screen-reader-text\">Best Online Investing Platforms For Empty Nesters in 2026<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":22,"featured_media":5130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[110],"tags":[],"class_list":["post-29619","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Online Investing Platforms For Empty Nesters in 2026 - Ark7<\/title>\n<meta name=\"description\" content=\"Compare the best online investing platforms for empty nesters in 2026. Traditional brokerages and real estate platforms compared to find your retirement fit.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Online Investing Platforms For Empty Nesters in 2026 - Ark7\" \/>\n<meta property=\"og:description\" content=\"Compare the best online investing platforms for empty nesters in 2026. Traditional brokerages and real estate platforms compared to find your retirement fit.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/\" \/>\n<meta property=\"og:site_name\" content=\"Ark7\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-15T18:48:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-15T18:49:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2024\/01\/Seed-2-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"3480\" \/>\n\t<meta property=\"og:image:height\" content=\"2340\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Team Ark7\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Team Ark7\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/\"},\"author\":{\"name\":\"Team Ark7\",\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/person\/07fe426d5ec341eaa4d87244bc05d284\"},\"headline\":\"Best Online Investing Platforms For Empty Nesters in 2026\",\"datePublished\":\"2026-06-15T18:48:26+00:00\",\"dateModified\":\"2026-06-15T18:49:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/\"},\"wordCount\":3100,\"publisher\":{\"@id\":\"https:\/\/ark7.com\/blog\/#organization\"},\"articleSection\":[\"Real Estate Investing\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/\",\"url\":\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/\",\"name\":\"Best Online Investing Platforms For Empty Nesters in 2026 - Ark7\",\"isPartOf\":{\"@id\":\"https:\/\/ark7.com\/blog\/#website\"},\"datePublished\":\"2026-06-15T18:48:26+00:00\",\"dateModified\":\"2026-06-15T18:49:33+00:00\",\"description\":\"Compare the best online investing platforms for empty nesters in 2026. Traditional brokerages and real estate platforms compared to find your retirement fit.\",\"breadcrumb\":{\"@id\":\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ark7.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Best Online Investing Platforms For Empty Nesters in 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ark7.com\/blog\/#website\",\"url\":\"https:\/\/ark7.com\/blog\/\",\"name\":\"Ark7\",\"description\":\"Learning Center\",\"publisher\":{\"@id\":\"https:\/\/ark7.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ark7.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ark7.com\/blog\/#organization\",\"name\":\"Ark7\",\"url\":\"https:\/\/ark7.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/05\/cropped-cropped-logo.png\",\"contentUrl\":\"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/05\/cropped-cropped-logo.png\",\"width\":270,\"height\":72,\"caption\":\"Ark7\"},\"image\":{\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/person\/07fe426d5ec341eaa4d87244bc05d284\",\"name\":\"Team Ark7\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/693a77cd902d351f4d936d8e5ab4cb8a992c1643a9b86bedb7b88eb7d777341e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/693a77cd902d351f4d936d8e5ab4cb8a992c1643a9b86bedb7b88eb7d777341e?s=96&d=mm&r=g\",\"caption\":\"Team Ark7\"},\"url\":\"https:\/\/ark7.com\/blog\/author\/jimmypal\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Best Online Investing Platforms For Empty Nesters in 2026 - Ark7","description":"Compare the best online investing platforms for empty nesters in 2026. Traditional brokerages and real estate platforms compared to find your retirement fit.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/","og_locale":"en_US","og_type":"article","og_title":"Best Online Investing Platforms For Empty Nesters in 2026 - Ark7","og_description":"Compare the best online investing platforms for empty nesters in 2026. Traditional brokerages and real estate platforms compared to find your retirement fit.","og_url":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/","og_site_name":"Ark7","article_published_time":"2026-06-15T18:48:26+00:00","article_modified_time":"2026-06-15T18:49:33+00:00","og_image":[{"width":3480,"height":2340,"url":"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2024\/01\/Seed-2-1.png","type":"image\/png"}],"author":"Team Ark7","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Team Ark7","Est. reading time":"15 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/#article","isPartOf":{"@id":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/"},"author":{"name":"Team Ark7","@id":"https:\/\/ark7.com\/blog\/#\/schema\/person\/07fe426d5ec341eaa4d87244bc05d284"},"headline":"Best Online Investing Platforms For Empty Nesters in 2026","datePublished":"2026-06-15T18:48:26+00:00","dateModified":"2026-06-15T18:49:33+00:00","mainEntityOfPage":{"@id":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/"},"wordCount":3100,"publisher":{"@id":"https:\/\/ark7.com\/blog\/#organization"},"articleSection":["Real Estate Investing"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/","url":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/","name":"Best Online Investing Platforms For Empty Nesters in 2026 - Ark7","isPartOf":{"@id":"https:\/\/ark7.com\/blog\/#website"},"datePublished":"2026-06-15T18:48:26+00:00","dateModified":"2026-06-15T18:49:33+00:00","description":"Compare the best online investing platforms for empty nesters in 2026. Traditional brokerages and real estate platforms compared to find your retirement fit.","breadcrumb":{"@id":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-empty-nesters\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ark7.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Best Online Investing Platforms For Empty Nesters in 2026"}]},{"@type":"WebSite","@id":"https:\/\/ark7.com\/blog\/#website","url":"https:\/\/ark7.com\/blog\/","name":"Ark7","description":"Learning Center","publisher":{"@id":"https:\/\/ark7.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ark7.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ark7.com\/blog\/#organization","name":"Ark7","url":"https:\/\/ark7.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ark7.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/05\/cropped-cropped-logo.png","contentUrl":"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/05\/cropped-cropped-logo.png","width":270,"height":72,"caption":"Ark7"},"image":{"@id":"https:\/\/ark7.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/ark7.com\/blog\/#\/schema\/person\/07fe426d5ec341eaa4d87244bc05d284","name":"Team Ark7","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ark7.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/693a77cd902d351f4d936d8e5ab4cb8a992c1643a9b86bedb7b88eb7d777341e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/693a77cd902d351f4d936d8e5ab4cb8a992c1643a9b86bedb7b88eb7d777341e?s=96&d=mm&r=g","caption":"Team Ark7"},"url":"https:\/\/ark7.com\/blog\/author\/jimmypal\/"}]}},"_links":{"self":[{"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/posts\/29619","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/comments?post=29619"}],"version-history":[{"count":1,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/posts\/29619\/revisions"}],"predecessor-version":[{"id":29621,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/posts\/29619\/revisions\/29621"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/media\/5130"}],"wp:attachment":[{"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/media?parent=29619"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/categories?post=29619"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/tags?post=29619"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}