Advice you can hold us to.
No commissions, no products, no quiet conflicts — just a written plan, a disciplined portfolio, and an advisor legally bound to put you first.
- $480M
- Assets under management
- 14
- Years fee-only
- 212
- Families served
The measures
What good stewardship measures
The habits behind the numbers — reviewed with you, in plain sight.
Cost drag
Fund expenses, cash sweeps, and overlapping holdings audited in your first ninety days.
Plan freshness
The plan is re-run against real spending and real markets — not the January version of you.
Tax friction
Withdrawal order, asset location, and conversion windows coordinated with your CPA.
Answer speed
A money question deserves an answer while it still matters.
Services
What stewardship includes
Planning first, portfolio second — and every fee agreed in writing before the work begins.
Retirement Planning
A year-by-year income map — Social Security timing, withdrawal order, and the honest math on when work becomes optional.
Investment Management
Low-cost, globally diversified portfolios rebalanced by rule, with your risk written down before a dollar is invested.
Tax-Aware Planning
Roth conversion windows, charitable bunching, and asset location — coordinated each fall with your CPA.
Equity Compensation
RSU, ISO, and ESPP strategy for corporate professionals — when to exercise, when to sell, and what the AMT really costs.
Estate & Legacy Planning
Beneficiary audits, trust funding, and giving plans that move money to people and causes — not to probate.
Business Owner Planning
Retirement plan design, exit modeling, and the personal balance sheet behind the company one.
How it starts
The first ninety days
Discovery
Two conversations about what the money is actually for — before anyone mentions a portfolio.
The written plan
A plan with dates and numbers on it, presented for your questions — not for your signature.
Implementation
Nothing moves until you've approved every line; then we handle the transfers and the paperwork.
Ongoing stewardship
Scheduled reviews, tax-season coordination, and a call from us when markets get loud.
Client notes
Held to our word
“The first meeting was the first time a financial professional ever told me what I didn't need to buy. Eight years later, that's still the firm's defining habit.”
“They turned my pile of RSUs and old 401(k)s into an actual plan with dates on it. I retired fourteen months earlier than I thought I could.”
“In March 2020 my advisor called me before the market opened. We changed nothing — which, it turns out, was the plan working.”
“Selling my company was the biggest financial event of my life. Meridian coordinated my attorney, my CPA, and my nerves.”
FAQ
Straight answers
Fees, minimums, and how the first ninety days actually work.
What does “fee-only” actually mean?
We are paid solely by our clients — a transparent flat fee or asset-based fee, agreed in writing. We accept no commissions, referral payments, or product incentives of any kind, so the only way we do well is if you do.
Are you a fiduciary all the time?
Yes, in writing. We sign a fiduciary oath for every client covering every recommendation — not just certain accounts or certain hats. If a cheaper or simpler option serves you better, we are obligated to say so.
Is there an account minimum?
Our flat-fee planning engagements have no minimum. Ongoing investment management is typically a fit for households with $500,000 or more, but we'd rather talk first than quote a number at you.
What happens in the first ninety days?
Three meetings: discovery, plan presentation, and implementation. You leave with a written plan, a target portfolio, and a one-page action list — and nothing moves until you've approved every line of it.
Can you work alongside my CPA and attorney?
We prefer it. Each fall we run tax projections with your CPA, and we coordinate estate documents with your attorney so titles and beneficiaries actually match the plan.
Introductory call
Start with a conversation, not a sales pitch.
A 30-minute introductory call, no charge and no obligation. We'll tell you honestly whether we're the right fit — and point you somewhere better if we're not.
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