Services/No. 01
Included in the advisory fee

Investment management by someone who actually knows you

Globally diversified, low-cost, tax-aware portfolios — built around your goals and managed by a CFP® professional and Enrolled Agent, fee-only and fiduciary, in Scottsdale.

Book a free intro call → See the fee schedule

Investing should be the simplest part of your financial life.

Wall Street profits from complexity — hot funds, market calls, products with commissions attached. The evidence says something quieter: own the world's markets at low cost, manage the taxes carefully, and stay invested.

That's what we do. No stock picking, no market timing, no products. Your portfolio is built from low-cost, globally diversified funds, held in your name at Charles Schwab or Altruist, and managed with your tax return open on the same desk.

What You Get
Managed portfolios, tax included
No. 1
A portfolio built for you
Globally diversified, evidence-based, and low-cost — allocated to your timeline and risk tolerance, not a firm-wide model. Reviewed and rebalanced as markets and your life change.
No. 2
Asset location, not just allocation
The same investments can produce very different after-tax results depending on which account holds them. We place bonds, stocks, and REITs where each is taxed least.
No. 3
Tax-loss harvesting
Down markets have a silver lining: losses that offset gains and income. We harvest them systematically — without drifting from your allocation or tripping wash-sale rules.
No. 4
Tax-aware rebalancing
Rebalancing keeps risk in check, but done carelessly it creates tax bills. We rebalance with cash flows, dividends, and gains budgets in mind before we ever sell.
No. 5
Direct integration with your tax plan
Your portfolio manager is also your tax strategist — a CFP® professional and Enrolled Agent. Every trade is made knowing what it does to this year's return, not discovered next April.
No. 6
Your money stays in your name
Accounts are held at Charles Schwab or Altruist Financial. We manage them; we never take custody. You can see everything, any time.

One fee covers the whole relationship

Investment management is one of five services included in the advisory fee. The others come with it — not as add-ons.

No. 02
Retirement Planning
Social Security timing, withdrawal order, and income that lasts.
No. 03
Tax Planning
Year-round strategy from an Enrolled Agent, built into every decision.
No. 04
Estate & Legacy
Beneficiaries, titling, and coordination with your attorney.
No. 05
Inheritance
Inherited IRA rules, step-up basis, and a calm plan for windfalls.

Blended advisory fee from 1.50% to 0.75%, no account minimum. See the full fee schedule →

Common Questions
Fair questions, straight answers
Do you have an account minimum?
No. We work with people building wealth and people protecting it. If the fit is right, the account size doesn't matter — and all fees are negotiable.
Will you try to beat the market?
No — and we'd be skeptical of anyone who promises to. The evidence is clear that low costs, broad diversification, discipline, and tax management are what investors can actually control. That's where we focus, because that's what compounds.
Where is my money held?
At Charles Schwab & Co. or Altruist Financial, in accounts titled in your name. Golden Acre manages the accounts under a limited authorization but never takes custody of your assets.
What does it cost?
A blended annual advisory fee starting at 1.50% on the first $250,000 and stepping down to 0.75% above $2 million, billed quarterly. Retirement, tax, estate, and inheritance planning are included — there are no separate planning fees for managed clients. Tax return preparation is quoted separately as a flat fee.
Can I leave if it's not working?
Any time, with 30 days' written notice. Because fees are billed quarterly in advance, you'd receive a prorated refund of anything prepaid and unearned. Your accounts stay where they are — only the management authorization changes.
Next Step

See what your portfolio looks like with taxes in the room

A relaxed 30-minute call with Aaron. No pressure, no pitch — bring your questions.

Book a free intro call →

Not sure yet? Take the 60-second fit quiz

Golden Acre Wealth Management LLC is an investment adviser registered with the Arizona Corporation Commission (CRD #337930). Registration does not imply a certain level of skill or training. All fees are negotiable and are described fully in the firm's Form ADV Part 2A, available upon request or at adviserinfo.sec.gov. Investing involves risk, including possible loss of principal; diversification does not guarantee a profit or protect against loss. Tax-loss harvesting outcomes depend on individual circumstances. This page is for informational purposes only and does not constitute investment, tax, or legal advice. Past performance is not indicative of future results. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by the Certified Financial Planner Board of Standards, Inc., awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.