We have extensive experience with a diverse range of clients and situations. To find out if you are a good fit, book a no fee, no obligation, no pressure discovery call here.
You can expect an engaging, productive conversation with no pressure. Our goal is to educate and inform. At the conclusion you should feel more knowledgeable and energized about your financial situation.
The first year is active as we build a working relationship. Meetings can be virtual, in person, or a combination based on client preference.
We are pleased to offer our services nationwide. In-person meetings are available in Massachusetts, throughout New England and Arizona. Our process is designed to provide consistent service and experience whether we meet virtually, in-person or some combination.
A Senior Wealth Advisor leads every relationship. Senior Wealth Advisors have at least 10 years of wealth management experience and hold advanced industry certifications.
Senior Wealth Advisors limit the number of client relationships to a maximum of 75.
We do not have a minimum asset level; however, we do have a minimum fee. For those with less than $250,000 in investable assets our planning-based service will likely be the most economical.
For wealth and investment management clients’ fees are assessed monthly in arrears based on the average daily market value. For example, if the average daily balance in January was $700,000 and the annual fee is .95% a fee of $554.17 is taken in February ($700,000*.0095/12). For planning and retainer services a portion of the fee is paid in advance. Click to learn more and see our full fee schedule.
All marketable securities are held by independent custodian Charles Schwab and are held in the client’s name not Tenere Wealth Advisors. All investment accounts carry SIPC insurance up to $500,000 and XY Investment Solutions carries additional liability coverage. However, marketable securities are not insured, not guaranteed and may go down in value.
Jason Lilly is an Investment Advisor Representative (IAR) of XY Investment Solutions, doing business as Tenere Wealth Advisors, LLC, a SEC Registered Investment Advisory (RIA) firm. More information can be found on investor.gov/CRS.
Tenere Wealth Advisors is a fiduciary, fee-only firm. Pricing is designed to be transparent and inclusive. The expense ratio charged by selected asset managers is separate. The fee varies depending on investment strategy and typically range between 5-20 basis points (0.05% - 0.20%).
Investing carries risk, including the possibility of loss of principle. Past performance does not guarantee future results and there is no guarantee that any investment strategy will deliver positive results.
Our stand-alone financial planning service typically takes 30-90 days, depending on client availability and responsiveness.
Our retainer service is a 12-month service that can be renewed annually at the client’s request.
There is no minimum commitment. Clients can transfer their assets to another custodian at any time. Tenere Wealth Advisors does not charge an account closing or transfer fee.
Diversified. Low-cost. Tax efficient.
Yes, to all of the above. The unique client needs drive the portfolio construction process which determines the ideal holdings.
Generally, No. Our preference is to transfer assets in-kind and develop a transition plan with client input.
No. We work with each client on an account-by-account basis to develop a transition plan aligned with capital gain considerations.
We are agnostic to passive vs. active. However, in the absence of superior long-term, risk adjusted performance we focus on the things we can control – diversification, cost, tax efficiency and style purity. This focus generally leads to passive exposure (ETFs that track an index) for the majority of the asset classes.
Yes. Always.
Yes. Most industry certifications require annual continuing education. At Tenere Wealth Advisors we believe expanding our knowledge base is good for us and good for our clients and each advisor has a commitment to at least 50 hours of continuing education each year.
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