Wealth Management
Grow, Protect, Leverage, and Transfer Your Wealth
Comprehensive Wealth Management Tailored to Your Goals
Managing wealth is about more than investing—it’s about creating a well-rounded strategy that aligns with your financial goals, minimizes taxes, and ensures a legacy. Whether you are a high-earning professional building wealth, or a retiree focused on income sustainability, our tailored wealth management approach empowers you to build the life you want, both now and in the future.
Who We Serve
HENRYs (High Earners, Not Rich Yet)
We define a HENRY, as an individual or household that makes over $150,000 annually and has less than $500,000 in investible assets. As a HENRY, you’ve worked hard to achieve a high income, but growing and optimizing your wealth requires a strategy. We help HENRYs:
- Build custom investment portfolios designed for growth
- Implement tax-efficient strategies to maximize savings & pay less taxes.
- Plan for major life milestones (home purchase, family planning, education planning, business ventures)
- Develop a structured financial roadmap toward financial independence
Retirees
For those in or nearing retirement, the focus shifts from wealth accumulation to income sustainability and protection. We help retirees:
- Structure tax-efficient withdrawal strategies to maximize retirement income and minimize taxes.
- Minimize the impact of Required Minimum Distributions (RMDs)
- Design a portfolio with the right mix of investments for retirement
- Protect investments from market downturns
- Optimize estate planning for seamless wealth transfer
How We Work
Personalized Planning & Custom Strategies
At Ethos, we strive to deliver the highest level of personalization possible. We believe that each individual and family is unique and so are the things that are most important to them. Our process begins with taking the time to understand what’s important to you and exploring your core values. From there, we create a customized strategy tailored to your specific circumstances.
Transparent Pricing Model
We believe in complete transparency. Our tiered fee structure is designed to align with your best interests. As your assets grow, our compensation decreases, helping you keep more of your wealth over time.
Ongoing Relationship & Adjustments
Markets change, tax laws evolve, and your financial situation may shift over time. We continuously monitor and adjust your strategy to ensure it stays aligned with your families’ changing needs and objectives.
Our Four Pillars of Wealth Management
- Custom Portfolio Management – Personalized investment strategies based on your unique investor DNA and goals.
- Nobel Prize Winning Strategies – Our investment approach is grounded in years of evidence-based research and Nobel-prize winning insights.
- Tax-Efficient Investing – Asset location strategies, tax-loss harvesting, and Roth conversion planning.
- Risk Management & Hedging Strategies – We incorporate protection strategies that are designed to deliver competitive returns while reducing market risk.
- Insurance Planning – Ensuring you have adequate life, disability, and long-term care insurance.
- Emergency Planning – Safeguarding assets against unexpected events.
- Tax-Efficient Withdrawals – Structuring distributions from taxable, tax-deferred, and tax-free accounts to minimize tax liability.
- Real Estate & Business Interests – Guidance on using real estate and business assets as part of a wealth strategy.
- Charitable Giving & Donor-Advised Funds – Optimizing philanthropic giving while reducing taxes.
- Estate Planning & Legacy Strategies – Guidance on structuring trusts, wills, and beneficiary planning to align with your wishes.
- Wealth Transfer to Future Generations – Strategic gifting, tax mitigation, and multigenerational planning.
- Custom Portfolio Management – Personalized investment strategies based on your unique investor DNA and goals.
- Nobel Prize Winning Strategies – Our investment approach is grounded in years of evidence-based research and Nobel-prize winning insights.
- Tax-Efficient Investing – Asset location strategies, tax-loss harvesting, and Roth conversion planning.
- Risk Management & Hedging Strategies – We incorporate protection strategies that are designed to deliver competitive returns while reducing market risk.
- Insurance Planning – Ensuring you have adequate life, disability, and long-term care insurance.
- Emergency Planning – Safeguarding assets against unexpected events.
- Tax-Efficient Withdrawals – Structuring distributions from taxable, tax-deferred, and tax-free accounts to minimize tax liability.
- Real Estate & Business Interests – Guidance on using real estate and business assets as part of a wealth strategy.
- Charitable Giving & Donor-Advised Funds – Optimizing philanthropic giving while reducing taxes.
- Estate Planning & Legacy Strategies – Guidance on structuring trusts, wills, and beneficiary planning to align with your wishes.
- Wealth Transfer to Future Generations – Strategic gifting, tax mitigation, and multigenerational planning.
Why Choose Us?
- A Holistic Approach – We don’t just manage investments; we provide a full-service financial strategy that incorporates all aspects of your financial life.
- Experienced Guidance – Over a decade of helping clients navigate complex financial decisions.
- Fiduciary Commitment – Your best interests always come first, ensuring ethical, objective advice.
- Lower Fees – Our client focused model allows us to offer competitive fees, ensuring more of your money stays invested and working toward your financial goals.
- Tailored Solutions – No cookie-cutter approaches—everything we do is designed for you.
Take the Next Step Toward a Confident Financial Future
Your wealth should work for you, not the other way around. Whether you’re focused on growing, protecting, leveraging, or transferring your wealth, we’re here to guide you with expert advice and personalized solutions.
