Mulholland & Kuperstock Asset Management

The firm targets three specific profiles: people who want to fully delegate financial planning and investment management, stock-compensated employees seeking to simplify their family finances, and diligent savers who have accumulated $500,000 or more in investable assets. This minimum threshold acts as a practical screen for engagement.

Advisors are simultaneously bound by the CFA Institute Code of Ethics, the CFP Board's Standards of Conduct, and California Registered Investment Adviser rules. This means the firm owes clients a duty of loyalty and care under three separate regulatory and professional frameworks, not merely the SEC's best-interest standard.

The firm is strictly fee-only. It is compensated only by its clients and does not receive commissions, referral fees, or revenue-sharing payments for selling financial products or making third-party introductions. This compensation model is intended to remove transaction-driven conflicts of interest.

The firm's public materials do not specify whether it operates under discretionary authority or requires client consent for each trade. Its emphasis on full delegation suggests it likely seeks discretionary mandates, but a prospective client would need to confirm this in the advisory agreement.

After gathering client data and performing an internal analysis, the firm presents a written assessment that translates its recommendations into projected dollar-and-cents improvements. The meeting to review this document is positioned as the pivotal decision point in the engagement process.