As an independent Registered Investment Advisor, we are not tied to a wire house or a proprietary fund family. That is not a small detail. It means the portfolio can be built from an open universe of funds chosen on cost and quality, with a fiduciary duty to put your interests first.
Who this is for
You might recognise yourself here
You have accounts scattered across old employers
A 401(k) here, a rollover IRA there, a brokerage account you opened years ago. Nothing is coordinated and you are not sure what you actually own.
You are not sure how much risk you are taking
Most people know their return. Far fewer know how far their portfolio could fall in a bad year — or whether they could live with it.
You suspect you are paying too much
Layered fund fees, trailing commissions, and products sold rather than chosen. Costs are the one part of investing you can control.
What we do
How this works in practice
No jargon, no black box. Here is the actual work.
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Measure risk tolerance and risk capacity
Tolerance is how you feel about a drop. Capacity is how much of one your plan can actually survive. Both matter, and they are often different.
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Build the allocation around the plan
Money you need in three years is invested differently from money you will not touch for twenty. The allocation follows the timeline, not a hunch about the market.
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Choose funds on cost and quality
Independent means we can use low-cost index funds, active managers, or both, without a house list dictating the answer.
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Coordinate across every account
Your IRA, your Roth, your taxable account, and your spouse's 401(k) are managed as one portfolio, with the right assets in the right place for tax purposes.
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Rebalance with discipline
We review on a schedule and rebalance when the mix drifts — which is how you end up selling high and buying low without having to predict anything.
How it fits your bigger plan
One piece of a single plan
Investments do not exist for their own sake. The portfolio has one job: fund the income plan without taking more risk than you need to take. When those two are designed together, market drops become an expected part of a plan rather than an emergency.
See the comprehensive planQuestions
Common questions about Investment Planning
What does independent and fiduciary actually mean?
Independent means we are not employed by a brokerage firm that manufactures its own products, so there is no house menu we are expected to sell from. Fiduciary means we are legally obligated to act in your best interest — not merely to recommend something that is suitable.
How are you paid?
Advisory services are offered through Foundations Investment Advisors, an SEC registered investment adviser, and are billed as a transparent advisory fee. We will walk you through the exact fee and what it covers before you sign anything, and it is disclosed in Form ADV.
Will you try to move all of my money?
No. Some assets belong exactly where they are — an old 401(k) with an unusually good institutional fund, for example. We tell you when leaving something alone is the right answer.
What happens when the market drops?
Nothing surprising, which is the point. The allocation is built knowing that drops happen. We rebalance, look for tax-loss harvesting opportunities where they apply, and revisit the plan — not the headlines.
Related
Other pieces of the plan
Tax Planning
Tax diversification designed to minimize income, capital-gains, and estate taxes over your lifetime.
Healthcare Planning
Medicare decisions, coverage before 65, and a realistic plan for long-term care costs.
Legacy & Estate Planning
Coordinating with your attorney to protect what you have built and pass it on cleanly.
Let's talk about your plan
A relaxed, no-pressure conversation about your goals. Free, about 30 minutes, and you will leave with something useful whether or not we work together.
Veteran-owned · Independent fiduciary · Jacksonville, Florida