Clear advice forthe wealth you built.
Planning, investing and tax strategy for families and business owners, from advisors paid only by you. In English or Spanish.
We are paid only by our clients, so every recommendation answers to one person: you. No products to sell, no commissions to chase, just advice you can read and measure.
One team for your plan,your portfolio and your company.
Choose one service or combine them. Every client gets a written plan, a lead advisor and a CPA behind every decision.
Wealth planning
A plan you can read in an evening and use for a decade: cash flow, goals, insurance, education and retirement in one document.
Investment management
Portfolios of low-cost funds, rebalanced with rules, placed account by account to keep more of what they earn after tax.
Tax planning
We plan the year before it ends: income timing, Roth conversions, charitable giving and estimated payments, coordinated with your preparer.
Retirement planning
We turn savings into income that lasts, with a withdrawal order, a Social Security strategy and a plan for health costs before Medicare.
Business exit planning
Most owners have most of their wealth in one company. We plan the sale, the taxes and the life after it, with your attorney and banker.
Fractional CFO
Forecasts, cash, pricing and board reporting led by a CFO who knows your numbers, for a fraction of a full-time salary.
How you pay uschanges the advice.
Most advice is paid by commissions on products. Ours is paid by you, in dollars, written down before you sign.
Paid by the products they sell.
- ✕Fees hidden inside fund costs
- ✕“Suitability” standard, not fiduciary
- ✕Tax planning as an afterthought
- ✕A different contact every year
Paid only by you, in writing.
- ✓One transparent fee, in dollars
- ✓Fiduciary on every account, every call
- ✓A CPA reviews every plan
- ✓One lead advisor who knows your file
Know the costbefore the first meeting.
Move the slider to see your annual fee on our blended schedule. No email required.
| Portion of assets | Annual rate |
|---|---|
| First $1M | 1.00% |
| $1M – $3M | 0.80% |
| $3M – $5M | 0.60% |
| Above $5M | 0.40% |
Each portion of your assets is billed at its own rate. Planning and tax work are included. Sample schedule for this template.
From first callto a written plan in eight weeks.
Discover
We learn your goals, gather statements and map every account, policy and obligation.
Plan
You receive a written plan with each recommendation, what it costs and why we make it.
Implement
We open and move accounts, coordinate with your CPA and attorney and set up reporting.
Review
Two full reviews a year, a tax projection each fall and a call whenever life changes.
Seventeen years ofindependent advice.
Real decisions,measured results.
Founder, multi-location dental groupA dental group owner prepares for a $14M sale
Physician couple, both 54Two physicians bring retirement forward by four years
Family-owned manufacturer, $22M revenueA manufacturer turns a cash squeeze into a credit line
“Daniel and Hannah prepared our sale a year before the buyer appeared. The structure alone paid for a decade of fees.”Ricardo M. · Sold his company in 2025
Testimonials are from current clients who were not paid for them and may not be representative of other clients.
Credentialed peoplewho know your file.
What people askbefore they call.
What does fee-only mean?
We are paid only by our clients. We do not earn commissions, sell insurance or receive payments from fund companies.
Is Averline a fiduciary?
Yes. As a registered investment adviser we act as a fiduciary at all times, which means we must put your interests first.
Is there a minimum?
Investment management starts at $750,000 in assets. Planning and fractional CFO services have no asset minimum.
Where is my money held?
Your accounts stay in your name at an independent custodian. We can manage them, but we cannot withdraw money for ourselves.
Notes on tax, retirementand running a company.
Every plan starts withone honest conversation.
Thirty minutes, by video or at our office, in English or Spanish. No cost and no product pitch.