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SoFi Invest Review

Sam Levine, CFA, CMT

Written by Sam Levine, CFA, CMT, Chris McKhann
Edited by Carolyn Kimball
Fact-checked by Steven Hatzakis

October 10, 2024

Current SoFi customers with limited investing needs will find trading at SoFi Invest to be convenient and pleasant. It’s also reasonably priced. Armchair stock analysts and lunchtime day traders will want to keep looking.

SoFi Invest
3.5/5 Stars Overall
  • Minimum Deposit: $5.00
  • Stock Trades: $0.00
  • Options (Per Contract): $0.00

Pros & Cons

thumb_up_off_alt Pros

  • SoFi makes it convenient to save, invest, borrow, and insure.
  • SoFi Invest clients can choose from a wide array of popular investment options.
  • Plenty of retirement account options, including no-fee automated investing.

thumb_down_off_alt Cons

  • Individual bonds aren’t offered.
  • The charts are about as basic as charts can get.
  • Options trading capabilities are very limited.
  • Ended their crypto offering in 2023.

Overall Summary

Feature SoFi Invest logoSoFi Invest
Overall 3.5/5 Stars
Investment Options 3/5 Stars
Commissions & Fees 4.5/5 Stars
Mobile Trading Apps 3/5 Stars
Platforms & Tools 2.5/5 Stars
Research 2/5 Stars
Customer Service 4/5 Stars
Education 4.5/5 Stars
Ease Of Use 4.5/5 Stars

Investment options

SoFi offers some of the most popular current investment choices, including fractional shares and initial public offerings (IPOs). Retirement accounts and robo-advising are also available. SoFi recently started to offer mutual funds but still does not provide futures trading. One quirk: Joint accounts are only available with robo-advising, not with self-directed.

Cryptocurrency: SoFi ceased offering crypto trading in December 2023. You are still able to invest indirectly through a few different Bitcoin ETFs.

Retirement services: SoFi offers retirement services, including traditional, Roth, SEP, and traditional rollover IRAs. These can be self-directed or set up through its no-fee automated investing advisor.

Feature SoFi Invest logoSoFi Invest
Stock Trading info Yes
Margin Trading Yes
Fractional Shares info Yes
OTC Stocks info Yes
Options Trading info Yes
Complex Options Max Legs info 0
Bonds (US Treasury) info No
Futures Trading info No
Forex Trading info No
Mutual Funds (Total) info 6000
Crypto Trading info No info
Crypto Trading - Total Coins info 0
Traditional IRAs info Yes
Roth IRAs info Yes
Advisor Services info Yes
View More

Commissions and fees

SoFi Invest’s fee schedule is hard to find on the website, so here it is. There’s no reason for it to be hidden; SoFi’s pricing is fine. Like the majority of the industry, SoFi offers $0 stock and ETF trades. Retirement accounts also have no annual fee, though there is a $20 IRA closing fee. Its margin rates are low compared to the other brokers we tested.

Penny stocks: SoFi doesn’t charge commission on penny stocks. However, someone needs to clue in SoFi’s chatbot that penny stocks are fully available — the bot told me that OTC stocks can only be sold on the desktop version. I was able to place a buy limit order on my iPhone and web browser with no issue.

Fractional shares: Investors can buy fractional shares, known at SoFi as Stock Bits, for as little as $5. Some firms don’t have a $5 minimum.

Options: SoFi gets a gold star for no-commission options trading, also referred to in the industry as “per contract trading fees.” There are $5.00 exercise and assignment fees, however.

Advisory fees: Wow. Bravo. SoFi’s robo investing service doesn’t incur management fees. Some firms charge 0.30%. You should still evaluate the funds’ annual expenses.

Inactivity fee: SoFi charges a $25 inactivity fee for each SoFi Invest account that hasn’t been active in the preceding 12 months. The fee is waived if you simply log in to your SoFi profile. No trading or other money movement is required.

This is one of the easiest-to-avoid inactivity fees out of all the brokers we cover, but it’s a nuisance charge, plain and simple. There are other, more transparent, ways for firms to earn revenue.

Close out fee: SoFi now charges a $100 fee for transferring out an account, which is unusually high for the industry.

Feature SoFi Invest logoSoFi Invest
Minimum Deposit $5.00
Stock Trades $0.00
Penny Stock Fees (OTC) info N/A
ETF Trade Fee $0.00
Options (Base Fee) $0.00
Options (Per Contract) $0.00
Options Exercise Fee $5.00
Options Assignment Fee $5.00
Futures (Per Contract) $0.00
Mutual Fund Trade Fee $0
Broker Assisted Trade Fee N/A
View More

Mobile trading apps

SoFi’s mobile app is simple and colorful but it’s limited in functionality. A ton of the stock page’s real estate consists of a social feed about what other SoFi investors are doing with the stock. We’d prefer that space be used for more pressing information. Market and stock news pops up more readily on the app than the website.

Ease of use: The mobile app gets high marks for ease of use. Navigating between the watch list, social feeds, option chains, and trade tickets is smooth sailing. There is very little climbing up the learning curve, partly because there is not much to learn. My Irish Setter, a dog breed not particularly known for a high IQ, would be able to place a Dogecoin trade, no problem.

Watch lists: Watch lists are upfront and easy to use, though features and information are limited. To add a stock to the watch list, you need to search for the ticker and click a button. We’d appreciate being able to edit the watch list directly. The watch list data is real-time but not streaming, as with the other quotes.

Charting: Charting consists of very basic line charts. Time frames can be adjusted, but there is no customization and no indicators. Intermediate and advanced traders will be frustrated, but they’re not really SoFi’s target customers anyway. If you’re a big chart user, see our reviews of Fidelity, E*TRADE, tastytrade and TradeStation. You’ll be happier with one of them.

Trading tools: You can trade stocks, options and ETFs on the mobile app, but beyond a very basic trade ticket and options chains, there are no advanced trading tools. SoFi does offer unique “collections” of stocks, shares activity of “Popular Investors,” and ranks high-performing investors on a leaderboard. If you enjoy following other investors, read our review of eToro, another social investing platform, which I think has a stronger investing community.

Tap for a demo of SoFi's mobile trading app.


Feature SoFi Invest logoSoFi Invest
iPhone App info Yes
Android App info Yes
Apple Watch App info No
Stock Alerts info No
Charting - After-Hours info No
Charting - Technical Studies info 0
Charting - Study Customizations info No
Watch List (Streaming) info No
Watch Lists - Create & Manage info No
Watch Lists - Column Customization info No

Other trading platforms and tools

Platforms overview: SoFi’s website allows trading of stocks, mutual funds, and ETFs — and that is practically all you can do. There are no real trading tools to speak of, other than reading what other SoFi investors are doing. There’s no desktop trading platform, but that’s not surprising.

Charting: Charts are very basic line charts. There is no customization. You can’t add indicators and there are no other charting tools. Novice-oriented brokers such as Robinhood and eToro have elevated their charting over the past few years. It would be great to see SoFi keep pace.

Feature SoFi Invest logoSoFi Invest
Active Trading Platform info N/A
Desktop Trading Platform info No
Desktop Platform (Mac) info No
Web Trading Platform info Yes
Paper Trading info No
Trade Journal info No
Watch Lists - Total Fields info 3
Charting - Indicators / Studies info 0
Charting - Drawing Tools info 0
Charting - Study Customizations info 0
Charting - Save Profiles info No
Trade Ideas - Technical Analysis info No
Streaming Time & Sales info No
Trade Ideas - Backtesting info No
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Research

SoFi doesn’t provide too many specific investment ideas, but there’s a healthy helping of broad insights. Its head of investment strategy, Liz Young, pens approachable and insightful market commentary weekly. The On The Money blog covers macroeconomic themes, such as housing trends and oil prices.

Stock quotes list basic price data and P/E ratios. For the same rate of $0 per stock trade, investors seeking more insights will find significantly more robust offerings at market research leaders Fidelity, E*TRADE, Merrill Edge, and Charles Schwab.

Feature SoFi Invest logoSoFi Invest
Research - Stocks info No
Stock Research - ESG info No
Stock Research - PDF Reports info 0
Screener - Stocks info No
Research - ETFs info No
Screener - ETFs info No
Research - Mutual Funds info No
Screener - Mutual Funds info No
Research - Pink Sheets / OTCBB info No
Research - Bonds info No

Education

SoFi’s educational content covers a wide range of topics, but you need to scroll for it on the app and site. Go to the SoFi homepage and scroll down to SoFi Learn.

Learning center: SoFi’s learning center has 300 articles filed under investing. The library could be better categorized, but it does cover a broad swath of subjects, like “What Is the IPO Process?” and “Basics of the Time Value of Money.” My main gripe? The articles are as much fun to read as a medical bill. If you want more engaging writing, check out Robinhood. Its writers are superheroes.

Feature SoFi Invest logoSoFi Invest
Education (Stocks) info Yes
Education (ETFs) info Yes
Education (Options) info Yes
Education (Mutual Funds) info Yes
Education (Bonds) info Yes
Education (Retirement) info Yes
Paper Trading info No
Videos info No
Webinars info Yes
Webinars (Archived) info Yes
Progress Tracking info No
Interactive Learning - Quizzes info No
View More

Customer service

To score Customer Service, StockBrokers.com partners with customer experience research firm Confero to conduct phone tests from locations throughout the United States. For this year's testing, 135 customer service tests were conducted over six weeks, with wait times logged for each call.

Customer service representatives were asked for assistance or details for prospective customers in several areas of broker services, including account opening, trading tools, apps, rollovers, active trading, and more. Here are the results for SoFi Invest.

  • Average Connection Time: <1 minute
  • Average Net Promoter Score: 8.6 / 10
  • Average Professionalism Score: 8.4 / 10
  • Overall Score: 8.56 / 10
  • Ranking: 5th of 13 brokers

Banking services

SoFi offers a broad range of banking services, and placed among Best in Class for this category in our 2024 Annual Awards. Products available include personal loans, home loans and the company’s flagship student loans, as well as credit cards and a cash management account that can be linked to a SoFi Invest account for funding. SoFi also offers a range of personal insurance products.

Feature SoFi Invest logoSoFi Invest
Bank (Member FDIC) info Yes
Checking Accounts info Yes
Savings Accounts info Yes
Credit Cards info Yes
Debit Cards info Yes
Mortgage Loans info Yes

Final thoughts

SoFi Invest is a relatively new entrant to the field. Here are our top takeaways for the broker for 2024.

  1. If you already have other assets or loans with SoFi, then SoFi Invest offers a convenient, inexpensive, and friendly way to put some of your stacks into stocks.
  2. SoFi Invest isn’t designed for advanced investors and active traders, but it can still step it up with more detailed stock quotes and charts.
  3. For those who are entering the workforce, starting a family, and beginning to save for retirement, SoFi is a fine firm to partner with.

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About SoFi Invest

SoFi traces its roots back to 2011 and Social Finance, Inc, which was founded by Stanford business school students and used an alumni-funded lending model to connect grads with alumni in their communities. In 2012, SoFi became the first company to offer refinancing of student loans. SoFi Invest launched in January 2019.

SoFi Invest 2024 Results

For the StockBrokers.com 2024 Annual Awards, announced on Jan. 23, 2024, all U.S. equity brokers we reviewed were assessed on over 200 different variables across eight areas: Commissions & Fees, Investment Options, Platforms & Tools, Research, Mobile Trading, Education, Ease of Use, and Overall.

StockBrokers.com also presented “Best in Class” awards to brokers for additional categories Beginners, Options Trading, Futures Trading, Active Trading, IRA Accounts, Investor Community, Penny Stock Trading, Banking Services and Customer Service. A “Best in Class” designation means finishing in the top five brokers for that category.

For more information, see how we test. New to investing? Check out the 5 step guide on how to invest on our sister site, investor.com.

Category awards

SoFi Invest logoSoFi Invest Commissions & Fees Bank Brokerage Customer Service Investor Community
Rank #1
Streak #1
Best in Class check check check check
Best in Class Streak 1 2 1 2

Is SoFi a good company for investing?

SoFi Invest is competitively priced and is adequate for people who want a quick and easy way to buy stocks and exchange-traded funds that they are already familiar with.

Is SoFi Invest safe?

Yes, SoFi Invest is considered safe. It’s a highly regulated broker and carries insurance coverage of up to $500,000 total and $250,000 in cash per customer from the industry standard Securities Investor Protection Corporation (SIPC). SIPC coverage insures against loss due to broker insolvency and not against investment losses. It’s very unusual for a broker to become insolvent, but it has happened. If your investment assets exceed the $250,000 cash and $500,000 account owner coverage, you might consider selecting a broker that provides additional coverage.

What is so great about SoFi?

SoFi’s strengths are:

  • Its vast menu of financial services, allowing members to manage most of their finances with one app or on one site.
  • Generally reasonable fees and rates.
  • A tech-savvy and pleasant user experience.

What is the downside to using SoFi?

SoFi Invest’s focus on simplicity means that SoFi members will miss out on many features common to the largest brokers, specifically PDF research reports, ESG ratings, earnings estimates, analyst ratings, and comprehensive charting and trading.

Is SoFi Invest really free?

SoFi does not charge trading commissions or a monthly charge to keep an account and its margin rate is very low, only 5.25% in October 2022. SoFi, like almost all brokers except for Fidelity, makes money from payments for order flow from exchanges and market makers, which can slightly affect how much you pay to buy or sell a stock or ETF. For most investors, it’s a negligible amount per trade.

Like other brokers, SoFi does have incidental fees. Some examples include closing an IRA account, transferring assets out, and selling an IPO within 120 days of buying it. The incidental fees are generally low compared to other firms. You can find them here.

Can you make money with SoFi?

Yes, you can make money with SoFi, but whether you’ll make money investing has less to do with SoFi and more to do with your investing knowledge and how disciplined you are. Online brokers in the United States are tightly regulated, and the heavy competition keeps prices low.

Is SoFi similar to Robinhood?

SoFi and Robinhood share some characteristics, but they differ in breadth and depth. Both brokers make placing a first stock trade easy. They’re both easy to use. They don’t charge for listed stock, ETF, and options trades. There’s a ton of educational material at both brokers.

The differences stem from their origins. Robinhood is primarily a broker that has added a few additional non-brokerage services, like a debit card. SoFi is mostly a bank that has a captive brokerage. Robinhood has more investing features. SoFi has a broader palette of financial services, including mortgages, credit cards, student loans, and insurance.

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StockBrokers.com Review Methodology

Our mission at StockBrokers.com is simple: provide thorough and unbiased reviews of online brokers, based on an extraordinary level of hands-on testing and data collection. Our ratings and awards are based on this data and our in-house experts’ deep authority in the field; brokers cannot pay for preferential treatment. Here’s more about trustworthiness at StockBrokers.com.

Our research team conducts thorough testing on a wide range of features, products, services, and tools for U.S. investors, collecting and validating thousands of data points in the process; this makes StockBrokers.com home to the largest independent database on the web covering the online broker industry. We test all available trading platforms for each broker and evaluate them based on a host of data-driven variables. All research, writing and data collection at StockBrokers.com is done by humans, for humans. Read our generative AI policy here.

As part of our process, all brokers had the annual opportunity to provide updates and key milestones and complete an in-depth data profile, which we hand-checked for accuracy. Brokers also were offered the opportunity to provide executive time for an annual update meeting.

Our rigorous data validation process yields an error rate of less than .001% each year, providing site visitors quality data they can trust. Learn more about how we test.

SoFi Invest fees and features data

The data collection efforts at StockBrokers.com are unmatched in the industry. The following tables show a deeper dive into the offerings available at this broker. You can also compare its offerings side-by-side with those of other brokers using our Comparison Tool.

In addition to meticulous annual data collection by our in-house analyst, every broker that participates in our review is afforded the opportunity to complete an in-depth data profile. We then audit each data point to ensure its accuracy.

Trading fees

Feature SoFi Invest logoSoFi Invest
Minimum Deposit $5.00
Stock Trades $0.00
Mutual Fund Trade Fee $0
Options (Base Fee) $0.00
Options (Per Contract) $0.00
Futures (Per Contract) $0.00
Broker Assisted Trade Fee N/A

Account fees

Feature SoFi Invest logoSoFi Invest
IRA Annual Fee $0.00
IRA Closure Fee $20.00
Account Transfer Out (Partial) info $100.00
Account Transfer Out (Full) info $100.00
Options Exercise Fee $5.00
Options Assignment Fee $5.00

Margin rates

Feature SoFi Invest logoSoFi Invest
Margin Rate Under $25,000 9.5%
Margin Rate $25,000 to $49,999.99 9.5%
Margin Rate $50,000 to $99,999.99 9.5%
Margin Rate $100,000 to $249,999.99 9.5%
Margin Rate $250,000 to $499,999.99 9.5%
Margin Rate $500,000 to $999,999.99 9.5%
Margin Rate Above $1,000,000 9.5%

Investment options

Feature SoFi Invest logoSoFi Invest
Stock Trading info Yes
Margin Trading Yes
Fractional Shares info Yes
OTC Stocks info Yes
Options Trading info Yes
Complex Options Max Legs info 0
Futures Trading info No
Forex Trading info No
Crypto Trading info No info
Crypto Trading - Total Coins info 0
Mutual Funds (No Load) info 0
Mutual Funds (Total) info 6000
Bonds (US Treasury) info No
Bonds (Corporate) info No
Bonds (Municipal) info No
Advisor Services info Yes
International Countries (Stocks) info 0
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Order types

Feature SoFi Invest logoSoFi Invest
Order Type - Market info Yes
Order Type - Limit info Yes
Order Type - After Hours info Yes
Order Type - Stop info No
Order Type - Trailing Stop info No
Order Type - OCO info No
Order Type - OTO info No
Order Type - Broker Assisted info No

Beginners

Feature SoFi Invest logoSoFi Invest
Education (Stocks) info Yes
Education (ETFs) info Yes
Education (Options) info Yes
Education (Mutual Funds) info Yes
Education (Bonds) info Yes
Education (Retirement) info Yes
Retirement Calculator info No
Investor Dictionary info Yes
Paper Trading info No
Videos info No
Webinars info Yes
Webinars (Archived) info Yes
Progress Tracking info No
Interactive Learning - Quizzes info No
View More

Stock trading apps

Feature SoFi Invest logoSoFi Invest
iPhone App info Yes
Android App info Yes
Apple Watch App info No
Trading - Stocks info Yes
Trading - After-Hours info Yes
Trading - Simple Options info No
Trading - Complex Options info No
Order Ticket RT Quotes info Yes
Order Ticket SRT Quotes info No

Stock app features

Feature SoFi Invest logoSoFi Invest
Market Movers (Top Gainers) info Yes
Stream Live TV info No
Videos on Demand info No
Stock Alerts info No
Option Chains Viewable info No
Watch List (Real-time) info Yes
Watch List (Streaming) info No
Watch Lists - Create & Manage info No
Watch Lists - Column Customization info No
Watch Lists - Total Fields info 3

Stock app charting

Feature SoFi Invest logoSoFi Invest
Charting - After-Hours info No
Charting - Can Turn Horizontally info No
Charting - Multiple Time Frames info Yes
Charting - Technical Studies info 0
Charting - Study Customizations info No
Charting - Stock Comparisons info No

Trading platforms overview

Feature SoFi Invest logoSoFi Invest
Active Trading Platform info N/A
Desktop Trading Platform info No
Desktop Platform (Mac) info No
Web Trading Platform info Yes
Paper Trading info No
Trade Journal info No
Watch Lists - Total Fields info 3

Trading platform stock chart features

Feature SoFi Invest logoSoFi Invest
Charting - Adjust Trades on Chart info No
Charting - Indicators / Studies info 0
Charting - Drawing Tools info 0
Charting - Notes info No
Charting - Index Overlays info No
Charting - Historical Trades info No
Charting - Corporate Events info No
Charting - Custom Date Range info No
Charting - Custom Time Bars info No
Charting - Automated Analysis info No
Charting - Save Profiles info No
Trade Ideas - Technical Analysis info No
Charting - Study Customizations info 0
Charting - Custom Studies info No
View More

Day trading features

Feature SoFi Invest logoSoFi Invest
Streaming Time & Sales info No
Streaming TV info No
Direct Market Routing - Stocks info No
Ladder Trading info No
Trade Hot Keys info No
Level 2 Quotes - Stocks info No
Trade Ideas - Backtesting info No
Trade Ideas - Backtesting Adv info No
Short Locator info No
Order Liquidity Rebates info No

Investment research overview

Feature SoFi Invest logoSoFi Invest
Research - Stocks info No
Research - ETFs info No
Research - Mutual Funds info No
Research - Pink Sheets / OTCBB info No
Research - Bonds info No
Screener - Stocks info No
Screener - ETFs info No
Screener - Mutual Funds info No
Screener - Bonds info No
Misc - Portfolio Allocation info Yes

Stock research features

Feature SoFi Invest logoSoFi Invest
Stock Research - PDF Reports info 0
Stock Research - Earnings info No
Stock Research - Insiders info No
Stock Research - Social info No
Stock Research - News info Yes
Stock Research - ESG info No
Stock Research - SEC Filings info No

ETF research features

Feature SoFi Invest logoSoFi Invest
ETFs - Strategy Overview info Yes
ETF Fund Facts - Inception Date info No
ETF Fund Facts - Expense Ratio info Yes
ETF Fund Facts - Net Assets info No
ETF Fund Facts - Total Holdings info No
ETFs - Top 10 Holdings info Yes
ETFs - Sector Exposure info No
ETFs - Risk Analysis info No
ETFs - Ratings info No
ETFs - Morningstar StyleMap info No
ETFs - PDF Reports info No
View More

Mutual fund research features

Feature SoFi Invest logoSoFi Invest
Mutual Funds - Strategy Overview info No
Mutual Funds - Performance Chart info No
Mutual Funds - Performance Analysis info No
Mutual Funds - Prospectus info No
Mutual Funds - 3rd Party Ratings info No
Mutual Funds - Fees Breakdown info No
Mutual Funds - Top 10 Holdings info No
Mutual Funds - Asset Allocation info No
Mutual Funds - Sector Allocation info No
Mutual Funds - Country Allocation info No
Mutual Funds - StyleMap info No
View More

Options trading overview

Feature SoFi Invest logoSoFi Invest
Option Chains - Basic View info Yes
Option Chains - Strategy View info No
Option Chains - Streaming info No
Option Chains - Total Columns info 0
Option Chains - Greeks info 0
Option Chains - Quick Analysis info No
Option Analysis - P&L Charts info No
Option Probability Analysis info No
Option Probability Analysis Adv info No
Option Positions - Greeks info No
Option Positions - Greeks Streaming info No
Option Positions - Adv Analysis info No
Option Positions - Rolling info No
Option Positions - Grouping info No
View More

Banking features

Feature SoFi Invest logoSoFi Invest
Bank (Member FDIC) info Yes
Checking Accounts info Yes
Savings Accounts info Yes
Credit Cards info Yes
Debit Cards info Yes
Mortgage Loans info Yes

Customer service options

Feature SoFi Invest logoSoFi Invest
Phone Support (Prospect Customers) info Yes
Phone Support (Current Customers) info Yes
Email Support info No
Live Chat (Prospect Customers) info Yes
Live Chat (Current Customers) info Yes
24/7 Support info No

About the Editorial Team

Sam Levine, CFA, CMT

Sam Levine has over 30 years of experience in the investing field as a portfolio manager, financial consultant, investment strategist and writer. He also taught investing as an adjunct professor of finance at Wayne State University. Sam holds the Chartered Financial Analyst and the Chartered Market Technician designations and is pursuing a master's in personal financial planning at the College for Financial Planning. Previously, he was a contributing editor at BetterInvesting Magazine and a contributor to The Penny Hoarder and other media outlets.

Chris McKhann

Chris McKhann has been in the industry for more than 20 years. He has worked for many of the top names in the online trading space, including TD Ameritrade and optionMONSTER, which later became part of E*TRADE. His work has been cited in the Wall Street Journal, Reuters, the Financial Times, Forbes, CNBC, Nasdaq.com and Nikkei. He has also been an advisor and outside trader for several hedge funds. He was one of the first traders to delve into the VIX tradable products and to write about them (back in 2006). Chris is also an educator who teaches high school statistics, finance and computer science.

Carolyn Kimball

Carolyn Kimball is a former managing editor for StockBrokers.com and investor.com. Carolyn has more than 20 years of writing and editing experience at major media outlets including NerdWallet, the Los Angeles Times and the San Jose Mercury News. She specializes in coverage of personal financial products and services, wielding her editing skills to clarify complex (some might say befuddling) topics to help consumers make informed decisions about their money.

Steven Hatzakis

Steven Hatzakis is the Global Director of Research for ForexBrokers.com. Steven previously served as an Editor for Finance Magnates, where he authored over 1,000 published articles about the online finance industry. Steven is an active fintech and crypto industry researcher and advises blockchain companies at the board level. Over the past 20 years, Steven has held numerous positions within the international forex markets, from writing to consulting to serving as a registered commodity futures representative.

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