Avalon Wealth Advisory

Founder Amanda Fields leads the investment committee. The firm uses a centralized investment process relying on model portfolios from Dimensional Fund Advisors and Vanguard rather than individual manager discretion. Third-party research, executed through Charles Schwab's custody platform, informs tactical tilts within a long-term strategic allocation.

No. Avalon operates exclusively as a fee-only RIA. Client fees are calculated as a percentage of assets under management or through fixed retainer arrangements. The firm does not accept commissions, revenue-sharing, or soft-dollar payments from product providers, a structural safeguard that prevents the conflicts typical of broker-dealer models.

Avalon's client portfolios are built entirely from publicly traded securities and registered funds. The firm does not evaluate, recommend, or participate in private equity, venture capital, hedge fund, or direct real estate syndication opportunities. Its stated investment philosophy emphasizes liquidity, transparency, and cost minimization.

Avalon's primary clients are high-net-worth families, corporate executives, and small-business owners, many of whom relocated to the Hilton Head–Bluffton area from the Northeast or Midwest. Client relationships often span pre-retirement accumulation through multi-decade retirement distribution, and most households bring between $2 million and $10 million in investable assets.

Avalon holds client assets at Charles Schwab & Co., a third-party qualified custodian regulated by the SEC and FINRA. As an RIA, Avalon never takes physical custody of client funds. Clients receive trade confirmations, monthly statements, and annual tax documents directly from Schwab, a separation of duties that mitigates Ponzi-type risk.