Smarter Way Wealth

Fiduciary advice · a different model

Serious advice.
A simpler way to work together.

Keep your accounts where they are. See the thinking behind every recommendation. Make decisions with an advisor who helps you think—without taking control away from you.

Meet DavidI’m ready to begin

Video conversation · no pitch · no preparation required

How it works

One relationship.
Two useful views.

See the experience from your side—or look under the hood at how the advice is built.

01

Meet—or begin

Talk with David first, or let him know you are ready to move directly into onboarding.

02

Make it official

Review the relationship, ask any remaining questions, and sign electronically.

03

Tell your story

Share what matters, what worries you, and what you want from advice.

04

Bring it together

Connect or enter your accounts and other relevant financial information.

05

Set the agenda

Choose the questions and decisions that deserve attention first.

06

Meet with David

Begin with a focused planning meeting, typically about 50 minutes.

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
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.
Each change would include the reason, timing, tax context, and steps for your custodian.

A model portfolio is the starting point—not the answer. Your life determines the final recommendation.

Published models can give us a disciplined place to begin. Then we adapt the starting point to your goals, taxes, preferences, constraints, and the portfolio you already own.

The transition map

Point A to Point B—with real life in between.

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
High-cost fundCost and overlap concern

ChangeReplace

WhyLower cost

Now
Concentrated stockLarge unrealized gain

ChangeReduce

WhyRisk + tax

Gradually
Existing broad-market ETFAlready fits the plan

ChangeKeep

WhyGood fit

Indefinitely
New contributionsCash flow can do useful work

ChangeRedirect

WhyRebalance

Next deposit

A 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.

THIS MODEL IS NOT FOR EVERYONE.

Honest fit
before conversion

We do not believe everyone needs an advisor—or that Smarter Way Wealth is the right advisor for everyone.

It may be a good fit if…

  • You value expert advice but want to keep control of your accounts and decisions.
  • You want planning and investment guidance without a fee that automatically grows with your balance.
  • You appreciate seeing the assumptions, choices, and reasons behind a recommendation.
  • You are comfortable placing trades when given clear, specific instructions and support.

It may not be the right fit if…

  • You already have an excellent advisor whose time and work justify the relationship.
  • You need someone else to make and execute every investment decision for you.
  • Your taxable portfolio is unusually complex and a transition could create more cost than benefit.
  • You are doing well on your own and do not need ongoing advice.

If we do not believe switching would help you, we will tell you.

A comfortable next step

Meet David.
Learn more. Ask questions.

A relaxed video conversation to see whether working together might make sense. Bring whatever is on your mind. No pitch and no preparation required.

VideoNo pitchNo preparationFlexible hours
Meet David

Ready to begin instead? David will send the secure onboarding link personally.