Investing, with the
full plan in view.
Your investments are managed in full view of your plan. Each account — taxable, retirement, education — is positioned with your complete picture in mind: your goals, time horizon, tax situation, risk tolerance, and life circumstances. Nothing is managed in isolation.
Investment Philosophy
Five criteria.
No exceptions.
Every strategy we consider must pass through the same five-part filter before it ever reaches a client conversation.
Evidence-Based
If the strategy is not supported by decades of academic research and real-world data, we do not use it.
Transparent
If you cannot understand how it works in a single conversation, it is too complex for your practice.
Diversified
If its success depends on a single stock, sector, or outcome, it is too concentrated.
Cost-Conscious
If the fees eat more than the alpha, the alpha belongs to the manager — not to you.
Repeatable
If it cannot be applied consistently across time and across clients, it is not a strategy — it is a story.
“If a strategy cannot pass all five, we do not use it — regardless of how impressive the returns may sound.”
Why It Matters
Built around you.
In the traditional 1% AUM model, the advisor's fee scales with the size of the balance. Our model holds the AUM fee at a hard cap and pairs it with a separate flat membership that prices the work, not the balance. Here is what that structure means in practice.
Lower tax drag, by design.
Tax efficiency compounds. Across decades, the difference between tax-aware and tax-indifferent investing becomes significant. Our direct indexing, loss harvesting, and coordinated rebalancing work together to reduce tax drag — not to minimize fees for us, but to maximize returns for you.
Aligned incentives.
A flat membership fee covers planning. AUM covers investment management. You always know what you are paying for — and why.
Institutional access, individually applied.
Direct indexing, selective alternatives, and disciplined portfolio construction — built around your tax picture, not a one-size model.
Coordinated with the rest of your plan.
Your portfolio is one of ten Practice Domains. Investing decisions move with your taxes, cash flow, and estate plan — not in isolation.
The Grounded Approach
Four building blocks. One coordinated portfolio.
GPS model portfolios
Globally diversified, low-cost core portfolios mapped to your goals, time horizon, and risk tolerance.
Our Grounded Portfolio System (GPS) models are built on decades of academic research. Factor exposures are deliberate. Costs are minimized. Rebalancing is systematic, not reactive. The result is a core portfolio designed to capture market returns without the drag of speculation.
- Global equity and fixed income diversification
- Factor tilts backed by academic evidence
- Systematic rebalancing with tax awareness
- Low expense ratios across all holdings
Evidence-based
Not trend-chasing
Own the index
In your own name
GTAP direct indexing
For accounts $25,000 and above — own the index in a separately managed account to harvest losses and reduce tax drag.
Our Grounded Tax-Aware Portfolio (GTAP) strategy holds individual securities instead of funds. This unlocks tax-loss harvesting at the lot level, customization for concentrated positions, and a portfolio you own directly — not through a pooled vehicle.
- $25,000 minimum per account
- Daily tax-loss harvesting opportunities
- Exclusions for concentrated positions or ESG preferences
- Seamless transition from existing holdings
Selective alternatives access
For qualified members, curated access to private credit, real estate, and structured strategies — with a fit screen, not a sales pitch.
Not every client needs alternatives. For those who do, we provide access to vetted opportunities across private credit, real estate, and structured strategies. Every opportunity is screened for fit with your goals, liquidity needs, and existing portfolio — not pushed because it pays us more.
- Accredited investor requirement for most strategies
- Due diligence and manager vetting
- Portfolio fit and sizing analysis
- No proprietary products or hidden compensation
Fit first
Not sales first
Full picture
Not isolated decisions
GTAP — Grounded Tax Aligned Portfolios
Asset location, lot-level harvesting, and rebalancing decisions made with your full tax picture in view.
Every trade, every rebalance, every harvest is made with your complete tax picture in view. We coordinate across accounts, consider your marginal rate, and time decisions to minimize drag — not just this year, but across your entire investment horizon.
- Asset location across taxable and tax-advantaged accounts
- Lot-level gain/loss tracking
- Coordinated rebalancing across all accounts
- Year-end tax planning integration
Grounded Go.
Our digital investment platform.
For those who just want investments. Grounded Go delivers our GPS model portfolios through a streamlined digital experience — same investment philosophy, lower entry point.
- GPS model portfolios
- Automatic rebalancing
- Mobile-first experience
- Upgrade path to full membership
Start investing
in under 10 minutes
What's Included
The Investment Marketplace.
Available as part of Advisory Wealth and Virtual Family Office. A coordinated set of investment capabilities — vetted, sized, and reviewed inside your full plan.
- Vetted investment opportunities
- Advisor-guided selection
- Portfolio fit and sizing analysis
- Tax-aware allocation
- Ongoing position reviews
- Coordinated execution across accounts
Side By Side
Traditional 1% vs. Grounded Wealth™
| Feature | Traditional 1% RIA | Grounded Wealth™ |
|---|---|---|
| AUM Fee | 1.0% – 1.5% (uncapped) | Transparent AUM Fee |
| Planning Included | Sometimes — extra cost | |
| Direct Indexing | Often high minimums | |
| Selective Alternatives | Variable by firm | |
| Tax-Coordinated Investing | Varies by firm | |
| Fee-Only Fiduciary | Varies by firm | |
| Commission-Based Products | Varies by firm |
The 1.0%–1.5% AUM range cited reflects industry fee benchmarks reported by sources including Kitces Research and AdvisoryHQ; individual firms vary. The traditional column represents general industry practice, not any specific firm. The Grounded Wealth column reflects our published fee schedule. See our Form ADV Part 2A for full fee detail.
Transparent fees.
A coordinated plan.
A short conversation is the simplest way to see whether coordinated investing fits your situation.