Net Worth Advisory Services

Yes. As a registered investment adviser, the firm operates under a fee-only fiduciary standard, meaning it is legally obligated to place client interests ahead of its own. It does not accept commissions, sales bonuses, or third-party payments, which removes the incentive to recommend products that generate transaction revenue. This structure is documented in the firm's Form ADV, a public filing required of all SEC- or state-registered investment advisers.

The firm constructs portfolios designed to generate recurring cash flow from fixed-income ladders and dividend-paying equities. On the bond side, it typically builds staggered maturity schedules so that a portion of principal becomes available each year for client withdrawals, reducing the need to sell assets during market dips. The equity sleeve favors large-cap companies with multi-decade dividend growth records, and allocations are adjusted periodically based on each client's required minimum distributions and spending needs.

No. The firm does not hold client assets directly. All client accounts are maintained at an independent qualified custodian such as Charles Schwab, Fidelity, or a comparable institution. This segregation ensures that the firm cannot access or move client funds unilaterally and provides clients with third-party account statements separate from any performance reports the adviser may generate.

Net Worth Advisory Services charges a fee based on assets under management, typically calculated as a percentage of the portfolio value and deducted directly from client accounts on a quarterly basis. Because it is a fee-only practice, there are no additional commissions, surrender charges, or 12b-1 fees layered onto client holdings. The specific fee schedule is disclosed in the firm's Form ADV Part 2A, which must be provided to clients before any agreement is signed.

The firm primarily serves individuals and families approaching or already in retirement, for whom income reliability and capital preservation are the central financial concerns. Its services include not only portfolio management but also planning around Social Security filing timing, tax-efficient withdrawal sequencing, and coordination of required minimum distributions from IRAs and 401(k) accounts. The firm does not appear to serve institutional investors or manage pooled investment vehicles.