High-cost fundCost and overlap concern
ChangeReplace
WhyLower cost
NowFiduciary advice · a different model
Serious advice.
A simpler way to work together.
Keep your accounts where they are, and learn what it’s like to work with an advisor who is truly independent.
The Smarter Way Wealth model
A different cost structure makes a different fee possible.
No massive marketing budget. No tens of millions in executive overhead. No expensive real-estate footprint. Smarter Way Wealth uses virtual meetings, modern planning tools, and AI for internal organization and routine business operations—so David can focus on the work clients actually value: analysis, planning, judgment, and clear recommendations.
Technology helps run the business. David provides the advice.
How it works
Verify
Verify your email through one secure passwordless email link before your answers are shared with David. No password or separate code is required.
Tell Us
Tell us about you and how we can best help you, one approachable prompt at a time. Review and correct your answers before sending them to David.
Confirm Fit
David reviews only the answers you submit and confirms fit before any agreement can begin.
Make It Official
After fit is confirmed, review the required disclosures, advisory agreement, and first-billing authorization together in the approved secure provider. The relationship becomes official only when that combined step is complete.
Financial Picture
Only after the relationship is official, open RightCapital. RightCapital alone owns account connections, balances, statements, credentials, holdings, and detailed planning data.
First Meeting
Correct David’s high-level summary, choose up to three priorities, add anything else to the agenda, then schedule the separate private 50-minute first planning meeting.
Control is a feature
Specific advice—without surrendering the keys.
We provide the analysis, recommendations, and help needed to act confidently. You make the final decision and place the trades.
- Keep Fidelity, Schwab, or another custodian you already know.
- See exactly what is being recommended and why.
- Receive step-by-step, custodian-specific implementation help.
- Pause, question, or change course before anything happens.
Your proposed portfolio changesIllustrative example
HoldingCurrentTargetAction
Fund ABCU.S. large blend
reduceCurrent1,840 sh.Target620 sh.Fund XYZInternational equity
addCurrent300 sh.Target900 sh.Bond Fund QIntermediate core
holdCurrent410 sh.Target410 sh.A model portfolio is the starting point—not the answer. Your personal situation determines the final recommendation.
The transition map
The best long-term portfolio is not always the best same-day trade list. Taxes, concentrated positions, timing, and your comfort with change matter.
- Change now when the case is clear
- Change gradually when transition costs matter
- Keep or revisit when waiting is sensible
Your path to the recommended portfolio
Destination and sequence · illustrative concept
BTarget portfolio
Concentrated stockLarge unrealized gain
ChangeReduce
WhyRisk + tax
GraduallyExisting broad-market ETFAlready fits the plan
ChangeKeep
WhyGood fit
IndefinitelyNew contributionsCash flow can do useful work
ChangeRedirect
WhyRebalance
Next depositA transition portfolio can be a valid recommendation. The goal is not to force every account into a perfect model overnight. It is to make the destination and the tradeoffs visible.
The work behind the advice
I use technology and AI so that I can spend my time where it is most important: working with clients.
We use published asset allocation models from companies like Fidelity, Schwab, Goldman Sachs, Morgan Stanley, and Vanguard, and tweak those based on your risk tolerance. Then we choose low-cost or even zero-cost ETFs or mutual funds, and you make the trades (don’t worry, we make it very simple!).
A comfortable next step
Schedule 15 minutes.
Learn more. Ask questions.
This optional public 15-minute conversation can help you decide whether working together might make sense. It is separate from the private 50-minute first planning meeting at the end of onboarding. No pitch and no preparation required.
VideoNo pitchNo preparationFlexible hours
Ready now? Become a client starts with the secure Verify step; this public page does not collect identity or financial details.