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.

Begin OnboardingMeet David

Meet David is an optional 15-minute public conversation—not part of the six-stage direct-onboarding path.

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 assistants 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

One relationship.
Two useful views.

See the six-stage direct-onboarding path—or look under the hood at how the advice is built.

  1. Verify

    Verify your email through one secure passwordless email link before story answers are shared with David. No password or separate code is required.

  2. Your Story

    Answer one approachable prompt at a time, then review and correct your story before submitting it to David.

  3. Confirm Fit

    David reviews only the story you submit and confirms fit before any agreement can begin.

  4. 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.

  5. Financial Picture

    Only after the relationship is official, open RightCapital. RightCapital alone owns account connections, balances, statements, credentials, holdings, and detailed planning data.

  6. 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
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
comes first

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.

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

Meet David.
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
Meet David

Direct onboarding is available. Begin Onboarding starts with the secure Verify step; this public page does not collect identity or financial details.