We'd rather show you than tell you.
■ HOW WE’RE DESIGNED
Aligned is built on three things: fees you can see clearly, a live system that keeps your whole financial picture in view, and a real team that understands both you and your portfolio.
■ the fee
What you pay, and what you don't.
You'll always know exactly what you pay and why. One engagement structure, no commissions, no markups, no revenue sharingWatch on YouTube*. We'll walk you through it clearly in our first conversation.
*Aligned Wealth charges only advisory fees to clients, no commissions. In addition to the advisory fees paid to Aligned, clients will also incur certain charges imposed by third parties, such as broker-dealers, custodians, sub-advisers, and funds. Refer to Aligned’s Form ADV Part 2A brochure for further information.
■ The standard
We're held to a fiduciary standard, legally bound to act in your interest.
Across much of the industry, a fiduciary duty applies only at the moment of a recommendation, and advisors can still be incentivized to push certain products. At Aligned, we’re not paid by the products we recommend*, helping us reduce product-based conflicts and keep our recommendations focused on our clients’ best interests.
*See Aligned Form ADV Part 2A for disclosures concerning Patrick Dwyer’s minority ownership interest in Vise AI Advisors LLC.
■ Custody and removability
Your assets are held at large, well-known custodians — Fidelity, Schwab and Pershing — in accounts that belong to you.
Your assets are held in your name at custodians like Fidelity, Schwab and Pershing. We advise; we never take custody. If you ever leave, your accounts go with you.
We align our interests with yours.
As an Aligned client, you can be as involved in the planning as you prefer. Some hand us the reins entirely. Others stay close to every decision. No matter your preference, you’ll always understand what you own, what you pay, and the rationale behind every recommendation we make.
■ What this discipline protects
Our approach is designed to reduce conflicts.*
Advice designed around you, not product commissions.
Products chosen on merit. We have no shelf to fill.
Equity portfolios designed to keep more of your return after tax
Alternatives in evergreen structures, no decade-long lockups
*This is not to suggest that Aligned Wealth is free from conflicts. All investment advisers have certain conflicts of interest, and our fiduciary responsibility is to identify them and disclose them to you, and mitigate or avoid them. Please see our Form ADV Part 2A brochure [Link] and Form CRS [Link] for a description of the conflicts of interest that we have identified and the applicable policies and procedures or mitigants that we maintain to manage them.
Wealth planning starts with your family, not your portfolio.
We review what you pay, how you are invested, and what your plan is for.Watch on YouTube Then we show you what we would change.
