Everything you're managing, under one roof.
Investments, taxes, retirement planning, equity compensation, estate coordination — the work most people split between three or four professionals, integrated into one practice with one advisor.
Wealth Management at Golden Acre is the firm's flagship engagement — comprehensive, ongoing, and built around the idea that the most important decisions in personal finance rarely live in a single category. A Roth conversion is also a Medicare premium decision. A tax-loss harvesting trade is also an asset-allocation move. A 401(k) rollover is also a beneficiary planning event.
When those decisions get handled by separate professionals who don't talk to each other, the work fragments. When they're handled by one advisor with the credentials and the calendar to see the whole picture, the work compounds.
What wealth management covers
Comprehensive wealth management at Golden Acre includes the following service areas, coordinated as one engagement.
Investment management
Discretionary portfolio management at Charles Schwab or Altruist. Globally diversified, evidence-based, low-cost — built around your goals, time horizon, and tax situation.
Includes asset allocation design, ongoing rebalancing, tax-loss harvesting, and asset-location optimization across your taxable, tax-deferred, and Roth accounts.
Financial planning
Comprehensive planning across retirement, tax, insurance, education, real estate, and major life decisions. Updated quarterly, reviewed annually in depth, available on-demand when life changes.
The plan is a living document — not a one-time PDF you file away and forget about.
Tax planning
Year-round tax strategy from an Enrolled Agent — bracket management, Roth conversion timing, IRMAA threshold awareness, capital gains harvesting, asset location, and integration with your investment decisions.
Tax preparation available as a separate add-on for clients who want their planning and filing under one roof.
Retirement & estate coordination
Retirement income strategy, Social Security claiming analysis, RMD coordination, and estate planning support — including beneficiary review, account titling, and coordination with your estate attorney.
The work of making sure what you've built actually does what it was meant to do.
How we work together
A typical engagement follows this arc over the first 60–90 days, then settles into an ongoing rhythm.
Discovery call
30 minutes, free. Where you are, what you're trying to figure out, whether we're a fit.
Data gathering
Statements, tax returns, beneficiary forms, insurance docs. We build the base picture.
Plan presentation
We walk through the plan together. Trade-offs, recommendations, decisions made jointly.
Implementation
Account opens, transfers, allocation, beneficiary updates, tax-strategy execution.
Ongoing review
Quarterly check-ins, annual deep reviews, ad-hoc when life changes. Always on the calendar.
How it works
Fee structure
Wealth Management is billed quarterly in advance as a percentage of assets under management, on a blended-tier schedule: 1.50% on the first $250,000, 1.25% on the next $250,000, 1.00% on amounts $500,001–$2,000,000, and 0.75% above $2,000,000. All fees are negotiable and described in detail in Form ADV Part 2A.
Custodian relationships
Client assets are held at Charles Schwab & Co. or Altruist Financial — independent, qualified custodians. Golden Acre does not hold client assets directly. You can log into your accounts at any time, see every transaction, and verify every fee against your custodial statements.
No account minimum
Golden Acre does not impose an account minimum. We work with clients across a wide range of asset levels, including those early in the wealth-building process. The right engagement structure depends on the work, not the account size.
Things people often ask
Wealth Management is a comprehensive ongoing engagement that includes both investment management and financial planning. Financial Planning as a standalone service is for clients who want the planning work without the discretionary investment management — they keep managing their own portfolios or use a separate manager. We offer both.
For accounts you want us to manage directly, yes — they need to be at one of our custodians. For accounts you want us to advise on but not actively manage (held-away 401(k)s, for example), they stay where they are and we factor them into the plan.
Standard cadence is a quarterly review and an annual deep review, with ad-hoc meetings whenever life changes or planning windows open. Clients can also reach out anytime by phone, email, or text — no gatekeeping.
Yes. Many clients do. We coordinate with your CPA on the tax-side decisions so the planning and the filing line up. For clients who want everything under one roof, tax preparation is available as a separate add-on service.
With your written authorization, fees are deducted directly from your custodial account quarterly in advance. Each quarter the custodian sends an itemized statement showing the deduction. You can also pay by EFT or check if you prefer.
Ready for an advisor who sees the full picture?
Book a free 30-minute intro call. No pitch — just a conversation about where you are and what you're trying to figure out.
Everything you're managing, under one roof.
Investments, taxes, retirement planning, equity compensation, estate coordination — the work most people split between three or four professionals, integrated into one practice with one advisor.
Wealth Management at Golden Acre is the firm's flagship engagement — comprehensive, ongoing, and built around the idea that the most important decisions in personal finance rarely live in a single category. A Roth conversion is also a Medicare premium decision. A tax-loss harvesting trade is also an asset-allocation move. A 401(k) rollover is also a beneficiary planning event.
When those decisions get handled by separate professionals who don't talk to each other, the work fragments. When they're handled by one advisor with the credentials and the calendar to see the whole picture, the work compounds.
What wealth management covers
Comprehensive wealth management at Golden Acre includes the following service areas, coordinated as one engagement.
Investment management
Discretionary portfolio management at Charles Schwab or Altruist. Globally diversified, evidence-based, low-cost — built around your goals, time horizon, and tax situation.
Includes asset allocation design, ongoing rebalancing, tax-loss harvesting, and asset-location optimization across your taxable, tax-deferred, and Roth accounts.
Financial planning
Comprehensive planning across retirement, tax, insurance, education, real estate, and major life decisions. Updated quarterly, reviewed annually in depth, available on-demand when life changes.
The plan is a living document — not a one-time PDF you file away and forget about.
Tax planning
Year-round tax strategy from an Enrolled Agent — bracket management, Roth conversion timing, IRMAA threshold awareness, capital gains harvesting, asset location, and integration with your investment decisions.
Tax preparation available as a separate add-on for clients who want their planning and filing under one roof.
Retirement & estate coordination
Retirement income strategy, Social Security claiming analysis, RMD coordination, and estate planning support — including beneficiary review, account titling, and coordination with your estate attorney.
The work of making sure what you've built actually does what it was meant to do.
How we work together
A typical engagement follows this arc over the first 60–90 days, then settles into an ongoing rhythm.
Discovery call
30 minutes, free. Where you are, what you're trying to figure out, whether we're a fit.
Data gathering
Statements, tax returns, beneficiary forms, insurance docs. We build the base picture.
Plan presentation
We walk through the plan together. Trade-offs, recommendations, decisions made jointly.
Implementation
Account opens, transfers, allocation, beneficiary updates, tax-strategy execution.
Ongoing review
Quarterly check-ins, annual deep reviews, ad-hoc when life changes. Always on the calendar.
How it works
Fee structure
Wealth Management is billed quarterly in advance as a percentage of assets under management, on a blended-tier schedule: 1.50% on the first $250,000, 1.25% on the next $250,000, 1.00% on amounts $500,001–$2,000,000, and 0.75% above $2,000,000. All fees are negotiable and described in detail in Form ADV Part 2A.
Custodian relationships
Client assets are held at Charles Schwab & Co. or Altruist Financial — independent, qualified custodians. Golden Acre does not hold client assets directly. You can log into your accounts at any time, see every transaction, and verify every fee against your custodial statements.
No account minimum
Golden Acre does not impose an account minimum. We work with clients across a wide range of asset levels, including those early in the wealth-building process. The right engagement structure depends on the work, not the account size.
Things people often ask
Wealth Management is a comprehensive ongoing engagement that includes both investment management and financial planning. Financial Planning as a standalone service is for clients who want the planning work without the discretionary investment management — they keep managing their own portfolios or use a separate manager. We offer both.
For accounts you want us to manage directly, yes — they need to be at one of our custodians. For accounts you want us to advise on but not actively manage (held-away 401(k)s, for example), they stay where they are and we factor them into the plan.
Standard cadence is a quarterly review and an annual deep review, with ad-hoc meetings whenever life changes or planning windows open. Clients can also reach out anytime by phone, email, or text — no gatekeeping.
Yes. Many clients do. We coordinate with your CPA on the tax-side decisions so the planning and the filing line up. For clients who want everything under one roof, tax preparation is available as a separate add-on service.
With your written authorization, fees are deducted directly from your custodial account quarterly in advance. Each quarter the custodian sends an itemized statement showing the deduction. You can also pay by EFT or check if you prefer.
Ready for an advisor who sees the full picture?
Book a free 30-minute intro call. No pitch — just a conversation about where you are and what you're trying to figure out.