Human Investing

Human Investing integrates retail wealth management directly with employer-sponsored financial wellness programs, functioning as a plan adviser for corporate 401(k)s while simultaneously serving individual employees as private clients. The firm charges fee-only fiduciary fees and avoids commission-based products. This dual-revenue structure — corporate service agreements alongside individual AUM fees — creates a client pipeline that most independent RIAs do not possess.

No. Based on the firm's public record and its positioning as a workplace-plan adviser, Human Investing focuses on publicly traded securities through evidence-based, low-cost fund selection. The firm does not market private-equity, venture-capital, or direct real-estate investment capabilities.

The firm operates from a single office in Lake Oswego, Oregon, and serves clients concentrated in the Pacific Northwest, with particular penetration among technology and healthcare professionals in the Portland metro area and the Willamette Valley.

Human Investing operates under a fee-only fiduciary model. Revenue comes from two primary streams: advisory fees calculated as a percentage of assets under management for individual wealth-management clients, and service-retainer fees paid by corporate plan sponsors for workplace financial wellness and 401(k) advisory services.

Given the firm's focus on public-market, fund-based allocations and workplace retirement plans, Human Investing does not appear to participate in co-investment or direct-deal structures alongside GPs. Its investment approach relies on constructing diversified portfolios using public-market vehicles rather than negotiating private-placement terms.