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Net Worth Advisory Services
Net Worth Advisory Services was established as an independent registered investment adviser, serving individual and high-net-worth clients with a focus on...
Net Worth Advisory Services
Net Worth Advisory Services was established as an independent registered investment adviser, serving individual and high-net-worth clients with a focus on income generation and capital preservation. The firm operates under a fee-only structure, meaning it accepts no commissions or third-party payments, a fiduciary posture that removes product-sale conflicts from the client relationship. Its client base is concentrated among retirees and those approaching retirement, a demographic that prioritizes predictable income and downside protection. The firm's investment approach centers on building customized portfolios of individual bonds, dividend-paying equities, and income-focused exchange-traded funds. Portfolios are typically laddered in the fixed-income sleeve to manage interest-rate risk while providing regular maturity proceeds for client withdrawals. Equity allocations emphasize companies with durable dividend histories — names that have historically included large-cap sectors such as consumer staples, utilities, and selected financials with payout track records spanning decades. The firm deliberately avoids concentration in high-growth, non-income-producing assets. As a small-registered investment adviser, Net Worth Advisory Services has historically operated with a lean team of under ten professionals, though exact headcount is not publicly confirmed. The firm maintains a single office footprint, serving clients primarily within its immediate metropolitan region through in-person financial planning sessions. Client accounts are custodied at an independent third-party custodian, a standard arrangement that provides asset-safety segregation. No known adjacent philanthropic vehicles, club memberships, or real-asset arms are associated with the practice. Structurally, the firm's differentiator is its exclusive focus on income-replacement strategies within a stringent fee-only model. Many advisory practices serve accumulation-phase clients alongside retirees; Net Worth Advisory Services has, by observable pattern, oriented its entire service model around the distribution phase. This includes recurring financial-planning engagements that tie investment structure to Social Security claiming strategies, required minimum distribution management, and tax-efficient withdrawal sequencing — functions that resemble a family office's bill-paying and cash-flow management for middle-market retirees rather than ultra-high-net-worth households.
General information
Firm type
Asset Manager
Year founded
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AUM
Undisclosed
Location
Region
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Country
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City
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Corporate office
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Frequently asked questions
Is Net Worth Advisory Services a fiduciary?
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.
What investment approach does the firm use for retirement income?
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.
Does Net Worth Advisory Services custody client assets itself?
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.
How does the firm charge for its services?
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.
What types of clients does the firm typically serve?
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.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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