All About You

HENRYs (High Earners Not Rich Yet) and Small Business Owners -

You have “big ideas”/“plans” for your life and want a financial plan that will support your goals.  We’ll work with you to develop a ‘Plan for Success’.  Savings needs, risk preferences, current accounts, and future goals integrated into one overall plan.   


Advice That's Right for You -

As Registered Investment Advisors, we are legally required to work in the best interest of our clients - we are fiduciaries.

We don't get paid to sell certain funds and we don't have funds of our own, so our priorities are simple, our clients. 

This is our commitment: we work in your best interests, solely in your best interests, 100% of the time.


Are your personal finances aligned with your goals and needs?

Are you are maxing out your 401(k), but still have extra cash to invest each year and know you need to save more?  Is your portfolio aligned with your goals, are paying more than you need to in taxes?

You want to make the best financial decisions, but don’t have the time or energy to do so.

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Business Owners, You’ve Worked Hard…

Did you know that as a business owner, your wealth management is very different from that of your employees or other non-business owners?  Have you spent so much time focused on growing your business that you need to ‘catch up’ on saving for the future?

You want the best tax efficient options, but you don’t which plans optimize the benefits for you.

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Our Fiduciary Promise

AssetGrade acts in a fiduciary capacity with you to improve your financial life.  As such, we place your interests ahead of our own, at all times, without exception. Our incentives are aligned with our clients. Compensation comes from only one source: you, our client. 

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We’re Here To Help


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  • Focus on families, women investors and college planning
  • Tax-efficient investing for business professionals & small businesses

Former Fidelity...

Frequently Asked Questions

  • Is AssetGrade right for me?

    Our individual investors are typically HENRYs (High Earners, Not Rich Yet) and the Working Wealthy. They have assets of at least $750K across their investment accounts and are able to save more on a regular basis.  

    We often work with small business owners and executives to maximize their earnings and reduce tax liability.  We keep working with our clients as their wealth builds and their needs change, as they move from being a HENRY to becoming wealthy themselves.

    Some clients are new to investing and others are sophisticated investors who have spent decades working in the investment industry or other fields. Whatever your financial background, AssetGrade can help you manage and grow your wealth. We can tailor a plan that meets your financial goals and is appropriate for your age, level of risk and other factors.

  • I don’t think my broker charges me any fees, so why would it make sense to switch to AssetGrade?

    Some brokers and financial advisors receive commissions or fees from insurance or fund companies, giving them an incentive to sell you products that may not be in your best interest. This can create potential conflicts of interest and result in fees that are not always transparent to you as a client.

    If you're not sure what you're paying your broker or advisor, ask for a detailed breakdown of your account fees and charges. You may also want to ask if your broker or advisor receives commissions or fees from the sale of financial products in your account.

    As a fee-only RIA, AssetGrade does not accept commissions or payments from fund companies or other third-parties for the sale of financial products. We select best in class mutual funds and exchange traded funds, based on rigorous financial analysis, and we always look for low-cost options to try and keep your overall fees down. This helps us to avoid potential conflicts of interest and keeps our interests aligned with our clients.  

  • How much does AssetGrade cost?

    Investors who work with an advisor tend to fare better. Advisors help to make sure your assets are invested appropriately, encourage the right long-term behavior, implement the best asset allocation strategy, keep costs down, and monitor and rebalance effectively. While a typical advisor fee is about 1%, a Vanguard study shows that working with an advisor can add about 3% in net returns each year. Learn more

    At AssetGrade, we strive to be fair and transparent and to keep the costs low for our clients. We do not receive hidden commissions or charge hidden fees. Minimum assets of $750K across accounts (minimum fee of $7,500).

    Our Fees For Individual Investors

    Your Investment/Assets Fee
    First $2M 1.0% of assets
    $2M - $5M 0.85% of assets
    $5M - $10M 0.7% of assets
    Over $10M 0.55% of assets

    For the retirement plan needs for your business, please contact us for more information on a custom proposal.

  • I already know how to invest, so why would I sign up with AssetGrade?

    One of the most valuable services that AssetGrade provides is holistic planning. We help you assess your needs and goals, then align your investments across all of your investment accounts in a tax-efficient manner.

    If your time is limited, you may find it difficult to keep up with your investments, particularly rebalancing across accounts as appropriate.  Even experienced investment professionals have difficulty finding the time to manage their own investments, which means it is probably even tougher for people outside of the industry, even if they know how to invest.  We provide ongoing monitoring and rebalancing to help keep your investments aligned with your goals.

    AssetGrade can help you stay on top of your investments by rebalancing your investments based on an allocation approach that you approve.

  • How does AssetGrade invest?

    AssetGrade takes a sensible approach to investing, based on years of experience.  We are not seeking the latest hot stock, instead we build well-diversified and well-balanced portfolios aligned with our clients’ needs.  Our investment approach has passed the acid test, as our clients include people with decades of experience in the investment industry.

    After working with our clients to understand their needs, goals and financial situation, we design a customized portfolio comprised of best-in-class mutual funds and ETFs chosen from over 10,000 funds across hundreds of fund companies.

    We work with our clients for goal-based investing and/or asset-liability matching - aligning their investment assets with their goals, as well as their existing and expected liabilities, taking into account the level of risk that the clients are comfortable taking on and the level of risk for their job/income.  The outcome from this work is a target asset allocation across the clients’ investment accounts.  For example, having 50% in US stocks to be held in a taxable brokerage account, 5% in emerging market stocks in an IRA, etc.

    The next step is to choose the specific investments for each asset class, typically a mutual fund or ETF.  To do so, we choose the best-in-class funds based on the following criteria:

    • Percentile ranking by Morningstar category – how the funds have done compared to other funds
    • Manager tenure – how long the fund managers have been managing these types of investments
    • Expense ratio – how much the fund company charges

    Our investment philosophy is comprised of the following three pillars:

    • Limited tactical asset allocation – not trying to time the market, since most people have not been able to do so consistently over time.  We stick to a long-term approach by focusing on the target asset allocation.
    • Passive investing (index funds or ETFs) where it makes sense, such as large-cap US stocks, and active investing (non-index funds) for areas where managers have had more success beating the benchmark, such as high yield bonds.
    • Portfolio rebalancing regularly, which forces buying low and selling high.  This is hard for most folks to do, since emotionally most of us are wired to do the opposite.
  • How do I know my money is safe at AssetGrade?

    We do not touch our client’s funds directly.  Our client’s money is held at Fidelity Investments, as our custodian.  This helps to prevent fraud, which can happen when the advisor has discretionary authority over the money and also holds the funds.

How Can We Help You?

Find out how we can help you reach your financial freedom

Contact Us