If you’re managing retirement decisions, executive compensation, aging parents, estate planning, and family wealth transfer — often at the same time — Stonehearth may be exactly the right fit.
If you’re looking primarily for investment management without the broader coordination, we may not be. We’d rather tell you that upfront.
Not a specific age. Not a specific net worth alone. A specific level of complexity.
The families Stonehearth serves tend to share a few characteristics: their financial decisions are interconnected; they have more than one professional involved but no one coordinating what those professionals are doing together; and they’ve reached a level of complexity where doing this well requires dedicated attention.
We typically work with individuals and families who have $1 million or more in investable assets.
[PLACEHOLDER — '$1 million or more' minimum — Amanda to confirm this is consistent with ADV Part 2A client minimum language. LAUNCH BLOCKER.]
Our fee includes investment management and the full coordination work that surrounds it. That means tax coordination, estate planning coordination, retirement income planning, executive compensation planning, and family financial conversations — all as part of one ongoing relationship.
We manage investment portfolios in coordination with your tax situation, your income needs, your risk tolerance, and your estate picture — not as a standalone function.
Retirement income planning, tax strategy coordination, estate review, insurance analysis, executive compensation planning, family wealth transfer — all included, as the situations arise.
[PLACEHOLDER — service list should be cross-referenced against ADV Part 2A scope of services before launch. Amanda LAUNCH BLOCKER.]
We work directly with your CPA, estate attorney, and insurance advisor — attending meetings, reviewing documents, and making sure the pieces connect. You don’t have to be the translator between your advisors.
We are a fiduciary wealth management firm with transparent advisory fees. Certain insurance products may involve commissions when appropriate and disclosed.
[PLACEHOLDER — LAUNCH BLOCKER: “Fee-only” language intentionally retired pending compliance. Confirm fiduciary / “transparent advisory fees” / insurance-commission wording and the full fee schedule match ADV Part 2A and Form CRS exactly — Amanda. Keep consistent with the About page firm description.]
For example, a $1.5M portfolio: $250,000 × 1.25% + $750,000 × 1.00% + $500,000 × 0.75% = $14,375 per year (an effective rate of about 0.96%).
[PLACEHOLDER — LAUNCH BLOCKER: Fee schedule updated to match the current live website (5-tier). Example recalculated: $250k×1.25% + $750k×1.00% + $500k×0.75% = $14,375 on $1.5M. Confirm the entire schedule and example against ADV Part 2A — Amanda/Jamie.]
Our fee is blended, meaning each tier applies only to the assets within that tier. As assets move into lower-cost tiers, the overall blended percentage may decline.
At exactly $5 million, the schedule’s lowest tier (0.25% on assets over $5 million) does not yet apply; it begins on assets above that level.
Advisory fees are generally billed quarterly in advance, based on the market value of managed assets as of the close of business on the last day of the preceding quarter.
[PLACEHOLDER — Billing language corrected to "quarterly in advance" per ADV. TODO: confirm whether a separate pro-rated initial-quarter billing provision should be stated here, and confirm exact valuation/billing wording against ADV Part 2A — Amanda. LAUNCH BLOCKER.]
This calculator is for illustration only. Actual advisory fees may vary based on account type, service arrangement, billing terms, household structure, or other factors described in our advisory agreement and disclosure documents.
[PLACEHOLDER — Calculator math mirrors the published 5-tier schedule. Confirm illustration disclosure language and that tier rates exactly match ADV Part 2A before launch — Amanda/Jamie.]
Our advisory fee supports an ongoing relationship with a coordinated team — not a one-time plan or a portfolio in isolation. For many families, the value comes from the decisions made over time: how to invest, when to draw income, how to manage taxes, when to reduce risk, how to coordinate estate and beneficiary decisions, and how to avoid costly mistakes during periods of stress or transition.
Industry research has long suggested that thoughtful financial advice can add value through behavioral coaching, tax-aware planning, rebalancing, withdrawal strategy, and helping clients stay disciplined through changing markets. We believe that value is most meaningful when it is applied to your actual financial life.
[PLACEHOLDER — “What the Fee Supports”: framing implies no guaranteed value, savings, or returns. If a research citation is desired (e.g., advisor-value studies), add an approved source URL here — do NOT invent citations. Amanda to review framing.]
Our model isn’t right for everyone. We may not be the right fit if you’re primarily looking for investment management without the broader coordination work; if your financial situation is relatively straightforward and well-coordinated; or if you prefer a transactional relationship to an ongoing one.
If we’re not the right fit, we’ll tell you. We may be able to point you toward someone who is.
[PLACEHOLDER — referral language ('point you toward someone who is') — Amanda to confirm this doesn't trigger referral arrangement obligations. LAUNCH BLOCKER.]
The best way to know whether Stonehearth is the right fit is to have the conversation. There’s no obligation, no sales process, and no pressure.
If it’s a fit, we’ll both know. If it isn’t, we’ll be honest with you about that too.
[PLACEHOLDER — 'no obligation, no sales process' language — Amanda to confirm — pre-launch.]
“[PLACEHOLDER — approved client testimonial about fee transparency and trusting how Stonehearth is paid]”
Client testimonials are provided by current or former clients. No compensation was provided for these statements. Experiences may not be representative of all clients and are not a guarantee of future results or success.
[PLACEHOLDER — TESTIMONIAL: insert an approved client quote (fee transparency and trusting how Stonehearth is paid) or remove this section before launch. Needs (1) real quote text, (2) approved attribution, (3) no compensation/conflicts confirmation, (4) SEC marketing-rule disclosure (shown above) approved by Amanda. LAUNCH BLOCKER if displayed.]
No preparation required. No documents to gather. No commitment to make.