What We Do
Our Services
Comprehensive, fiduciary wealth management — crafted around your goals, not our revenue.
Core Offerings
Comprehensive Wealth Management
Financial Planning
A strategy built around you, not a template.
We begin by taking a comprehensive look at your entire financial picture — assets, liabilities, income, tax situation, and future goals. From that foundation, we craft a written financial plan tailored to your specific objectives and timeline.
- Comprehensive financial plan, documented in writing
- Goal-based strategy with measurable milestones
- Risk tolerance and capacity analysis
- Regular plan reviews as your life evolves
Portfolio Management
Disciplined. Evidence-based. Transparent.
We construct and manage diversified investment portfolios using an evidence-based philosophy grounded in decades of academic research. Our approach is designed to maximize long-term, risk-adjusted returns while keeping costs low and eliminating unnecessary complexity.
- Institutional-quality diversified portfolios
- Tax-efficient asset location and placement
- Continuous monitoring and rebalancing
- No proprietary funds, no hidden costs
Business Retirement Consulting
Help your business attract, retain, and reward talent.
We help business owners design and manage retirement benefit programs that serve both their employees and their own long-term financial goals. From plan design to administration oversight, we guide you through every decision.
- 401(k), SEP-IRA, and SIMPLE plan design
- Plan selection and vendor evaluation
- Employee education and fiduciary support
- Exit and ownership transition planning
Additional Services
Specialized Planning
Beyond core wealth management, we offer targeted expertise in areas that can have an outsized impact on your financial outcomes.
Higher Education Planning
Navigating college costs requires careful planning. We help families build and execute a tax-efficient education funding strategy — from 529 savings plans to financial aid optimization — so education costs don't derail your retirement. We also partner with college entrance consultants to provide recurring client education opportunities throughout the process.
Tax Planning
Taxes are one of the largest drags on long-term wealth. We integrate tax planning directly into your investment and financial strategy — including Roth conversions, tax-loss harvesting, and withdrawal sequencing — to minimize your lifetime tax burden.
Banking Solutions
We work with banking partners to provide our clients access to wealth management banking services — including high-yield cash management, lending solutions, and liquidity strategies — all coordinated with your broader financial plan.
Our Approach
The Investment Process
Our five-step advisory process ensures every decision is deliberate, transparent, and aligned with your goals.
Assess
We take time to understand your complete financial picture — assets, liabilities, income, and current situation.
Goals
Together we define specific, measurable financial goals and a realistic timeline to achieve each one.
Plan
We develop a comprehensive, written financial plan tailored uniquely to your situation and objectives.
Execute
We implement your plan with precision, coordinating every detail across all of your investment accounts.
Monitor
We continuously review and adjust your plan as markets shift, tax laws change, and life evolves.
Transparent Fees
Simple, Transparent Pricing
No hidden fees. No commissions. Just clear, aligned incentives.
Annual Fee
0.95%
starts at 0.95% and decreases as assets grow
Minimum
$1,000,000
in investable assets
Commissions
Zero
As a fee-only fiduciary, our compensation comes solely from you — never from financial products or third parties. This structure ensures our advice is always objective and aligned with your best interests.
Get Started
Ready to take the next step?
Schedule a confidential introductory consultation — no obligation. We'll discuss your goals and how Tilia can help.