We specialize in the following types of services: Comprehensive Portfolio Management, Financial
Planning & Consulting and Separately Managed Accounts. As of December 31, 2023, our assets under
management are $185,587,251.
We are dedicated to providing individuals and other types of clients with a wide array of investment
advisory services. Our firm is a limited liability company formed in the State of Delaware. Our firm
has been in business as an investment adviser since 2013 and is wholly owned by Robert Wade.
The purpose of this Brochure is to disclose the conflicts of interest associated with the investment
transactions, compensation and any other matters related to investment decisions made by our firm
or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is
accomplished in part by knowing our client. Our firm has established a service-oriented advisory
practice with open lines of communication for many different types of clients to help meet their
financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to
understand their investment objectives while educating them about our process, facilitates the kind
of working relationship we value.
Types of Advisory Services Offered
Comprehensive Portfolio Management:
Our Comprehensive Portfolio Management service encompasses asset management as well as
providing financial planning/financial consulting to clients. It is designed to assist clients in meeting
their financial goals through the use of financial investments. We conduct at least one, but sometimes
more than one meeting (in person if possible, otherwise via telephone conference) with clients in
order to understand their current financial situation, existing resources, financial goals, and
tolerance for risk. Based on what we learn, we propose an investment approach to the client. We may
propose an investment portfolio, consisting of exchange traded funds (“ETFs”), mutual funds,
individual stocks or bonds, or other securities. Upon the client’s agreement to the proposed
investment plan, we work with the client to establish or transfer investment accounts so that we can
manage the client’s portfolio. Once the relevant accounts are under our management, we review such
accounts on a regular basis and at least quarterly. We may periodically rebalance or adjust client
accounts under our management. If the client experiences any significant changes to his/her financial
or personal circumstances, the client must notify us so that we can consider such information in
managing the client’s investments.
Financial Planning & Consulting:
We provide a variety of financial planning and consulting services to individuals, families and other
clients regarding the management of their financial resources based upon an analysis of the client’s
current situation, goals, and objectives. Generally, such financial planning services will involve
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preparing a financial plan or rendering a financial consultation for clients based on the client’s
financial goals and objectives. This planning or consulting may encompass one or more of the
following areas: Investment Planning, Retirement Planning, Estate Planning, Charitable Planning,
Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate
Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit
Evaluation, Business and Personal Financial Planning.
Our written financial plans or financial consultations rendered to clients usually include general
recommendations for a course of activity or specific actions to be taken by the clients. For example,
recommendations may be made that the clients begin or revise investment programs, create or revise
wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or
establish education or charitable giving programs. It should also be noted that we refer clients to an
accountant, attorney or other specialist, as necessary for non-advisory related services. For written
financial planning engagements, we provide our clients with a written summary of their financial
situation, observations, and recommendations. For financial consulting engagements, we usually do
not provide our clients with a written summary of our observations and recommendations as the
process is less formal than our planning service. Plans or consultations are typically completed within
six (6) months of the client signing a contract with us, assuming that all the information and
documents we request from the client are provided to us promptly. Implementation of the
recommendations will be at the discretion of the client.
Separately Managed Accounts (“SMA”):
We participate in the Schwab Managed Account Program and offer separately managed accounts from
the Managed Account Select and Managed Account Access programs. These Schwab programs allow
access to independent money management firms offered by the Schwab Advisor Services division of
Charles Schwab & Co. Inc. (“Schwab”). Our firm performs management searches of various investment
managers. Based on the client's individual circumstances and we determine which selected manager's
portfolio management style is appropriate for that client. Factors considered in making this
determination include account size, risk tolerance, the objectives of each client and the investment
philosophy of the selected manager. Clients should refer to the manager's Firm Brochure or other
disclosure document for a full description of the services offered. We will furnish a copy of the disclosure
brochures for each manager selected. We will recommend one or more managers who will manage the
client's account on a discretionary basis. On an ongoing basis, we monitor the performance of the
manager(s). Our firm may also refer clients out the Schwab Managed Account Marketplace.
Managed Account Select (“Select”)
Under this program, the Schwab Center for Financial Research provides institutional investment
research with insights and decision making tools to help serve clients’ needs. Clients are provided
a choice of prescreened money managers across various investment styles. The program then
bundles the research, Schwab’s brokerage, custodial and client reporting under a single, all-
inclusive fee, which is in addition to the fee charged by our firm.
Access to managers in this program is offered at the following account levels: $100,000 for
Stock/Equity Managers. Some money managers may have a higher account minimum.
The Schwab Managed Account Select program fees include the institutional money manager fee,
Schwab’s program fee and fees for brokerage/clearing/custodial services. Fees may include a
minimum monthly fee, please see related program documents for a complete description of
specific fees.
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Managed Account Access (“Access”)
Managed Account Access allows clients to work with an array of money managers and conduct
their own research within a bundled fee program. Schwab’s fees are charged in addition to fees
charged by our firm. Access provides money manager services and Schwab’s brokerage and
custody services for a simple, asset-based fee and with streamlined paperwork. Features
include single contract structure, low account minimums, bundled fees, manager and strategy
flexibility and variety, performance reporting and managed account tools and resource.
Access to managers in this program is offered at the following account levels: $100,000 for
Stock/Equity Managers . Some money managers may have a higher account minimum.
Managed Account Marketplace (“Marketplace”)
We participate in the Schwab Connection Marketplace program for certain larger clients. The
services provided are “unbundled,” meaning fees for asset management and fees for trading are
charged separately, in addition to the fees charged by our firm. The fees for asset management
with the money management firm are negotiated with the individual manager by our firm on
behalf of the Client and are based on the total assets with that manager included in the program
and the type of management services (equity or fixed income) provided.
Execution of security transactions may be paid in one of two ways: (1) A percentage of assets
based on pricing schedules set by Schwab that are determined by trade volume for an individual
money manager; or (2) On a transaction basis, where each transaction is charged a commission
as negotiated with Schwab
It may be possible for a client to use Marketplace and receive the same research services and
benefits (subject to internal restrictions identified earlier) for a lower fee than available under
the Select program. The bundled fees charged for the Select program may be higher than the
“unbundled fees” charged under Marketplace because of the initial and ongoing due diligence
provided by the Schwab Center for Financial Research and pricing set by the money management
firms for each program.
Tailoring of Advisory Services
We offer individualized investment advice to clients utilizing our Comprehensive Portfolio
Management service. Additionally, we offer general investment advice to clients utilizing our
Financial Planning & Consulting, and SMA services.
Each client has the opportunity to place reasonable restrictions on the types of investments to be held
in the portfolio. Restrictions on investments in certain securities or types of securities may not be
possible due to the level of difficulty this would entail in managing the account. Restrictions would
be limited to our Comprehensive Portfolio Management. We do not manage assets through our other
services.
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Participation in Wrap Fee Programs
We do not offer wrap fee programs.
Regulatory Assets Under Management
We manage $115,571,835 on a discretionary basis and $70,015,415 on a non-discretionary basis.