Private Wealth Management

What the relationship includes

Portfolio management, and the planning that surrounds it: retirement income, taxes, estate coordination, and whatever else the year brings. Planning is part of the relationship rather than a separate engagement with its own bill. Most households need a plan reviewed and adjusted more often than they need one built, and building it is the easy half.

How it works

We start with a conversation about what the money is for. Not risk tolerance in the abstract, but the actual obligations and intentions it has to meet, and when.

Then a plan, on one page before it is on forty. What you have, what it has to do, and the next few decisions. The long version exists and gets built, and the one page is what we work from.

Then the portfolio, designed against that plan. How much sits in cash and short-term assets is decided by when the money is needed, not by a questionnaire. What we own with the rest, we study first.

Then the years afterward. Rebalancing, tax decisions, the conversation before a large purchase, what to do in a market that has fallen. We watch the beneficiary designations and the account titling, because those govern more than people expect and nobody else reviews them.

What to expect

We meet as often as the year requires, which for most households is twice and sometimes more. Between meetings we answer the phone. When something needs a CPA or an attorney, we bring them in and stay in the conversation rather than handing it off.

We prepare and place trades ourselves at Altruist, an independent custodian. Your accounts are held there in your name. We never hold your money.

What it costs

A published percentage of the assets we manage, tiered and applied marginally, so each rate applies only to the portion of assets within that band. The schedule is on this site. Relationships generally begin at $100,000.