Scottsdale fiduciary advisors who manage custom portfolios using individual stocks and ETFs with direct ownership to keep costs disciplined, improve transparency, and align risk to your retirement income plan—with accounts custodied at Charles Schwab.
Arizona households preparing for or in retirement who want direct ownership (individual stocks & ETFs—no mutual funds), clear position/sector ranges, and tax-aware flexibility for transitions and charitable gifting—so the portfolio serves the retirement income plan.
You can see every position—no "mystery fund" holdings. Know exactly what you own at all times.
Pay our advisory (AUM) fee and underlying ETF expense ratios; we avoid mutual fund loads/12b-1 fees.
Position sizing, sector balance, and a dividend-tilted approach to help manage volatility (no guarantees).
Withdrawal order and rebalancing decisions consider taxes alongside risk for better after-tax outcomes.
Portfolio and plan stay in sync with estate and tax coordination (separate professional fees if you engage those pros).
Customization: Unlike one-size-fits-all approaches, we can accommodate specific preferences, restrictions, or legacy holdings.
We assess goals, risk tolerance, and income needs before touching an investment.
Select securities (stocks & ETFs), define position/sector ranges aligned to your plan.
Tax-aware transition—honoring gains in legacy positions—funded via Schwab custody.
Tax-aware rebalancing semi-annually or when positions drift beyond bands.
Accounts held at Charles Schwab; you retain control. SIPC protection applies.
Our philosophy drives every decision, and our transparent pricing reflects our commitment to your success.
The income plan drives the portfolio—not the other way around.
We favor transparency (individual stocks & ETFs) over "mystery mutual fund holdings."
A dollar saved in taxes is a dollar that can fund life.
We plan for uncertainty instead of betting on it.
Plans adapt as life changes—we review and adjust, not set and forget.
For ongoing planning + portfolio management
Underlying ETF expense ratios only (we avoid mutual funds with possible loads/12b-1 fees)
Separate fees only if you engage an attorney/CPA for document drafting or tax preparation
Our Scottsdale office for face-to-face meetings during business hours.
Secure video meetings via Zoom for clients anywhere in AZ, MI, or TX.
Traditional phone calls for quick updates or detailed discussions.
To avoid sales loads and 12b-1 distribution fees that many mutual funds charge. We use individual stocks and ETFs, where you'll see expense ratios and normal trading frictions but no loads or 12b-1 fees. More importantly, direct ownership provides better tax control and complete transparency.
Typically no. SEC and FINRA investor materials note that 12b-1 fees generally apply to mutual funds, not ETFs.
Clear ranges for position/sector risk, ongoing monitoring, and a dividend-tilted approach—then we review against your income plan and stress-tests. (No guarantees.) We use multiple risk metrics including standard deviation, maximum drawdown analysis, and correlation management.
SIPC protects against broker failure up to $500k (cash up to $250k); excess SIPC at Schwab provides additional aggregate coverage. Market losses aren't covered.
Yes. We design a tax-aware transition that honors embedded gains and legacy positions. We'll create a multi-year transition plan if needed to minimize tax impact.
Schedule a no-obligation introductory call to see how a custom portfolio approach could work for your retirement plan.
Instant download + email copy