Sapphire Fiduciary Advisors, LLC

A fiduciary standard legally requires the firm to act in the client's best interest at all times, avoiding conflicts of interest. This is a higher bar than the suitability standard used by many brokers. For Sapphire Fiduciary Advisors, this governs every aspect of their advisory relationship, from manager selection to fee structures.

As an RIA operating under a fiduciary mandate, the firm likely charges a percentage of assets under management or a flat fee, rather than commissions. This aligns the firm's incentives with client outcomes and eliminates product-pushing. The exact fee schedule is not publicly disclosed.

The firm is classified as an RIA, not a family office or fund manager. It provides advisory services to clients, which may include families, but does not appear to pool capital into commingled vehicles. It functions as an outsourced chief investment officer for its clients.

Based on the fiduciary RIA model, the firm likely allocates across a diversified mix of public equities, fixed income, private equity, real assets, and hedge funds. The specific blend depends on client risk tolerance and objectives. No direct holdings are publicly verifiable.

RIAs in the US are registered with either the SEC or state securities regulators. You can look up Sapphire Fiduciary Advisors on the SEC's Investment Adviser Public Disclosure (IAPD) database using the firm's name or CRD number. This will show registration status, disclosures, and any disciplinary history.