Independent · Fee-only · Fiduciary
A quiet, deliberate approach to building lasting wealth.
For seventeen years, families and executives across the Carolinas have trusted us with the planning, investment, and tax decisions that compound across a lifetime and a generation.
$612M
Assets under management
187
Client families
2009
Founded
100%
Fee-only fiduciary
Who we serve
We work best with people facing real complexity.
Our clients are not looking for someone to manage a brokerage account. They are looking for a partner who will think alongside them through the decisions that matter most.
The nearing-retirement professional
You have been diligently saving for decades, but you are not sure your savings will sustain the retirement you have in mind. You want a clear, written answer, not a sales call.
The corporate executive
Your compensation includes RSUs, deferred comp, and a 401(k). Your situation is complex enough that one-size-fits-all advice feels wrong, but you haven't found someone who specializes in it.
The business owner preparing to sell
You have built something valuable. Now the question is how to convert it into lasting wealth without losing a third of it to taxes on the way out.
The suddenly affluent
An inheritance, a liquidity event, or a late-career income surge has moved you into territory where the decisions are bigger and the stakes are higher than you have managed before.
The physician or attorney in practice
High income, high debt, limited time, and a complex benefits picture. You need someone who understands your specific planning landscape.
The family navigating a transition
Divorce, death of a spouse, or a sudden financial responsibility for aging parents. You need steady, knowledgeable guidance, and you need someone who will slow down with you.
What we do
Comprehensive wealth management, integrated under one roof.
Retirement planning
A clear answer to the only question that matters: can I retire, and what will it look like? We model your plan across markets, longevity, and policy.
- · Monte Carlo cash-flow modeling
- · Social Security claiming strategy
- · Pension and annuity election analysis
Investment management
Globally diversified, low-cost portfolios built around your goals, not a model the firm sells. Tax-aware, evidence-based, and rebalanced systematically.
- · Custom asset allocation per goal
- · Tax-loss harvesting and asset location
- · Direct indexing for taxable accounts
Estate planning coordination
We are not attorneys, but we sit at the table with yours to make sure your trusts, beneficiaries, and titling actually reflect your wishes.
- · Beneficiary and titling audit
- · Trust funding coordination
- · Charitable and legacy strategy
Tax strategy
Year-round planning with your CPA, not a one-page summary in April. We focus on the long-game decisions that compound: bracket management, gain harvesting, and gifting.
- · Multi-year bracket and AGI planning
- · Qualified charitable distributions
- · QBI and concentrated-stock strategy
Executive and business owner planning
Concentrated stock, RSUs, deferred comp, and exit planning. We help executives and founders convert paper wealth into a durable plan.
- · 10b5-1 plans and concentrated stock
- · Deferred compensation election analysis
- · Business succession and buy-sell review
Education and family planning
529s, custodial accounts, family gifting, and helping the next generation become competent stewards, without entitling them.
- · 529 funding and superfunding strategy
- · Custodial and UTMA coordination
- · Annual exclusion gifting plans
Our philosophy
Five principles that have not changed since 2009.
We believe most investing mistakes come from the same source: trading conviction for noise. These principles are our protection against it.
Read the full philosophy
Fiduciary, always
We are a fee-only Registered Investment Advisor. We are paid by you, never by the funds or insurance companies we recommend. There are no commissions, no kickbacks, no hidden incentives.
Evidence over opinion
Markets reward discipline and diversification, not prediction. We use evidence-based portfolio construction informed by sixty years of academic research, not the cable news cycle.
Plan first, then portfolio
An investment without a plan is just speculation. We build the financial plan first; the portfolio exists only to fund it. Your allocation answers to your goals, not the other way around.
Tax matters as much as return
After-tax return is the only return that buys groceries. Asset location, harvesting, and bracket management quietly add 0.5% to 1.0% of annualized value for most households.
Quiet by design
We don't trade on headlines. We don't time markets. We meet with clients on a deliberate cadence, rebalance systematically, and let compounding do the work.
By the numbers
94%
of Brevard clients report they feel more confident about their financial future after the first year
0.7%
average additional after-tax return generated through tax-loss harvesting and asset location annually
16 years
average tenure of a Brevard client family
100%
of new clients come through referral from existing families
Client perspective
Relationships measured in decades, not quarters.
"Margaret has been the steady hand through three market cycles and a complicated business sale. The plan she built held up, and so did we."
R. & L. Halverson
Retired business owners, client since 2012
"We came in nervous about retiring early. We left with a written plan, a clear answer, and the confidence to actually do it. Best decision we made."
Dr. K. Mehta
Physician, client since 2018
"She talks about tax planning the way other advisors talk about market predictions. The difference shows up on our return every April."
P. Whitlock
Tech executive, client since 2016
Schedule a conversation
A complimentary 45 minutes to see if we are a fit.
No presentation, no pitch. A conversation about your situation, your questions, and whether our approach belongs in your life. Margaret Brevard, CFP®, CFA personally takes every initial meeting.
Request a meeting