Independent · Fee-only · Fiduciary
Advisor To is a fee-only advisory practice for retirement planning and investing. You get one written plan, a portfolio that matches it, and a person who explains the trade-offs instead of selling you a product.
Most people do not need a hundred services. They need a plan that survives a bad year, a portfolio that matches the plan, and someone to call when the markets get loud.
We work out what your life costs, what your savings can realistically support, and when the numbers say you can stop. Then we test the plan against a bad decade, not just a good one.
A portfolio built from low-cost, diversified funds and sized to the plan. We rebalance on a schedule, keep costs visible, and write down why we own each piece.
Already have an advisor, a 401(k) and a brokerage account? Bring it all. We review the whole picture and tell you plainly what is working and what is not.
We are a good fit for people who want to understand their money. If you would rather hand it all over and never look at a statement, we are probably not the practice for you — and we will say so on the first call.
We are paid by our clients, not by fund companies, insurers or brokers. No commissions, no product payments, no referral fees. That is the whole business model, and it is why the advice you hear is about your plan rather than about a product.
A flat annual fee, quoted in writing after the first call once we know what your situation actually involves. There is no fee for the first call and no obligation to continue after it.
No. Some clients move everything, some keep their existing 401(k) and brokerage accounts where they are, and some hold part of the portfolio at their current custodian. The plan comes first; where the money sits is a detail we settle afterwards.
A robo-advisor will build you a portfolio. It will not tell you whether you can retire in three years, whether to take Social Security at 62 or 70, how your mortgage fits the plan, or what happens to the survivor if one of you dies first. Those are the questions we answer.
Three evergreen guides that answer the questions we hear most often. No email gate, no downloads.
The two titles overlap more than most people expect. Here is what each one is trained to do, where the words are regulated and where they are not, and how to tell which kind of help you need.
Read the guide →A practical, unglamorous process for choosing a financial advisor: define the job, check the registration, compare fee structures in dollars, ask the awkward questions, and spot the red flags.
Read the guide →Work out your retirement number in four steps: what you spend, what income you will have, the gap, and the savings multiple that covers it — with tables, worked examples and the assumptions that matter.
Read the guide →Tell us where you are and what worries you. If we are not the right fit, we will tell you that too — and point you somewhere better.
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