Advisor Expertise (20%)
Does the client always work with someone who has demonstrated financial planning expertise? Does someone who knows the client's full financial picture remain responsible for the relationship over time?
Scope of Advice (25%)
Does the client's full financial picture get addressed — not just their investment portfolio? Does the client get proactive tax planning? Does the client receive meaningful guidance on protecting and transferring their wealth?
Transparency (10%)
Is the firm legally and structurally committed to acting in the client's interest at all times? Can the client clearly understand what they are paying and what they are getting before they sign up?
Advisor Accessibility (10%)
Can the client access their advisor when they need to without artificial limits? Does the advisor come to the client or must the client drive the relationship?
Costs and Minimums (20%)
What does the client actually pay per year? Can a typical consumer access this service or is it reserved for the already-wealthy?
Portfolio Construction (15%)
What is the firm's approach to investment costs, customization, account coverage, and custodial independence?
14 Advisory firms reviewed 
20+ Data points gathered on each 
99+ hrs analyzing data 
