Yes, our team is comprised of fiduciary wealth advisors focused working in your best interest.

We follow the Fiduciary Standard and receive no outside commissions or incentives for investing in or recommending specific investments, funds, or strategies.

An investment manager is focused on building, managing, and reviewing a portfolio. A wealth manager looks at the broader picture, including how an investment portfolio fits in with a client's financial plan, tax strategy, and estate plan.

In other words, all wealth managers are investment managers, but not every investment manager is a wealth manager.

Our approach to building investment portfolios for high-net-worth clients is based on identifying each client's unique financial goals and objectives.

Whether the client is focused on growing wealth, preserving wealth, or generating income determines the mix of investment strategies we use in their portfolio.

Our portfolio risk management strategies are based on maximizing upside potential while minimizing downside risk.

In practice, this means looking at important portfolio characteristics like correlation to the broader equity and fixed income markets, identifying investments with built-in downside protection, and leveraging private and alternative investment strategies to provide alternative sources of return with different risk characteristics than traditional investments.

Direct indexing is an investment strategy for high-net-worth investors that allocates capital into individual securities in the same proportion as an index or index fund.

The benefit to the investor is twofold - the investor avoids the fund management expense (often called an expense ratio), and since individual investments perform differently, offer the opportunity for tax loss harvesting to offset gains elsewhere in the portfolio.

Direct indexing is usually only applied to a portion of an investor's portfolio strategy, and is complimented by other portfolio strategies for high-net-worth individuals.

Since our fees may vary for each investor, it can be hard to give an exact estimate. However, our fees are among the lowest in the industry* and include investment management, tax planning, financial planning, estate planning, and insurance planning.

*According to the Charles Schwab 2024 RIA Benchmark Study 

Yes - we believe that in order to provide excellent wealth management services for high-net-worth clients, ensuring the investment strategy is aligned with the client's tax strategy, financial plan, and estate plan is essential.

We are very comfortable working with outside professionals, and, in the case where a client needs a referral to an outside professional, have a select group of CPA's, estate attorneys, and other financial professionals with whom we have strong business relationships.