Silva Fiduciary Advisors

Silva Fiduciary Advisors

Silva Fiduciary Advisors was founded in 2016 by Jose Silva, who departed the institutional wirehouse channel to create a practice where client interests sit first, legally and ethically. Silva describes the move as a direct response to the structural conflicts he observed at larger firms — commissioned sales, proprietary product pushes, and a suitability standard that, he argues, falls short of the fiduciary duty required by law for registered investment advisors. The firm serves individuals, high-net-worth families, and foundations across the United States, with particular focus on retirees, pre-retirees, and those navigating major life transitions. The advisory covers financial planning, retirement planning, tax and estate planning, portfolio management, risk management, cash management, and self-directed IRA strategies. Silva’s model rejects commissions and proprietary products entirely, charging a fee-only structure that aligns compensation with client outcomes. While the firm does not disclose its assets under management or specific portfolio holdings, its service mix spans liquid-market investments, insurance-linked risk management, and retirement-account structuring. Geographic reach extends across the contiguous US, with a multilingual capability that includes English, Spanish, French, Italian, and Portuguese. Led solely by Silva from an as-yet undisclosed US location, the firm operates as a solo- or lean-practitioner RIA — a structure that concentrates all investment and planning decisions under one principal. Silva communicates directly with clients, a posture that emphasizes personal connection over institutional scale. The practice has published educational content on topics including the SECURE Act 2.0, equity compensation, and rightsizing in retirement, signaling a deliberate focus on non-institutional, individual client education. Structurally, Silva Fiduciary Advisors differs from mass-market wealth managers through its rigid adherence to the fiduciary standard and its refusal to offer proprietary financial products. This positions the practice as a pure-play fiduciary shop, not a product distributor — a distinction that resonates with clients seeking to avoid the conflicts embedded in the wirehouse model Silva left behind.