D'Orazio Wealth Advisors

Michael D'Orazio serves as the founder and primary investment decision-maker for the firm. He constructs client portfolios and makes allocation decisions based on the firm's stated evidence-based methodology. As a solo-founded RIA, investment strategy and client service remain centralized under his direction.

The firm constructs portfolios primarily using Dimensional Fund Advisors (DFA) mutual funds and exchange-traded funds. These vehicles are chosen for their ability to capture targeted factor exposures — including small-cap and value premiums — while maintaining broad diversification and low internal costs. The firm does not use individual stock-picking or proprietary products.

The firm operates on a fee-only basis, charging clients a percentage of assets under management for discretionary portfolio management services. This compensation structure avoids the conflicts of commission-based or proprietary product sales models common at wirehouses and broker-dealers from which the principal originally departed.

D'Orazio Wealth Advisors is an independent RIA that selects DFA funds as a primary investment vehicle for client portfolios. The firm has no ownership relationship with DFA. Access to DFA funds typically requires advisor approval and alignment with the fund family's evidence-based investment philosophy, which the firm meets through its stated commitment to factor-based investing.

Yes. D'Orazio Wealth Advisors provides comprehensive financial planning services including retirement income strategies, Social Security optimization, and estate planning coordination. The advice-only model allows clients to receive planning guidance without requiring the firm to manage their assets, though integrated wealth management remains the firm's core offering.