Disciplined long-term planning, thoughtful digital-asset exposure, and comprehensive protection — with a structure most firms won't offer: you approve every trade before it happens. Nothing moves in your account without your OK.
Non-discretionary, evidence-based portfolio management: we recommend, you decide, and no trade is ever placed without your prior approval. Every recommendation is anchored to a written Investment Policy Statement built around your goals, risk tolerance, and time horizon.
The engagement starts with a written IPS covering your goals, time horizon, liquidity needs, tax situation, risk tolerance, and target allocation — reviewed with you at least annually.
We don't take discretionary authority over your account. Each recommendation comes to you first — accept it, modify it, or reject it before anything executes.
Broadly diversified portfolios using low-cost ETFs with global exposure across asset classes — rebalanced tax-efficiently toward your target allocation.
Your assets are held in your own account at Altruist Financial LLC — an SEC-registered broker-dealer, FINRA member, and qualified custodian. We never take possession of your money.
A substantive review of allocation, performance against your IPS, cash flow, and tax considerations every quarter — delivered as a written portfolio report you can hold us to.
A uniform, non-negotiable fee schedule billed quarterly in arrears — never in advance, never a retainer. See the full fee schedule →
Digital assets are optional — but when used responsibly, they can complement a long-term portfolio. Our approach is education-first, risk-aware, and gated by a written suitability assessment, because crypto is not for everyone and we'll tell you if it's not for you. Read our full approach to crypto →
Project-based or ongoing financial planning under its own written agreement, with the flat fee quoted in writing before we start. Every piece of your financial life, aligned with your goals — today, and decades from now. See how planning is priced →
We recommend, you decide. Every recommendation comes to you before execution — accept it, modify it, or reject it — and no trade is ever placed without your prior approval. We do not take discretionary authority over your account.
A written document created at the start of your engagement covering your goals, time horizon, liquidity needs, tax situation, risk tolerance, target asset allocation, and any restrictions you set. It is the anchor for every recommendation and is reviewed with you at least annually.
Through regulated exchange-traded products (ETPs) only, and only for clients who have completed and passed our written Cryptocurrency Suitability Assessment. We do not offer direct coin custody and never hold private keys. Read our full approach →
In your own account at Altruist Financial LLC — an SEC-registered broker-dealer, FINRA member, and qualified custodian. Kimberlite never takes possession of your funds or securities.
Every quarter you get a substantive review of allocation, performance against your Investment Policy Statement, cash flow, and tax considerations — plus a written quarterly portfolio report. Your IPS itself is revisited at least annually. See what it costs →
Schedule a complimentary introductory call. We'll discuss your goals and determine if we're the right fit.
Schedule Your Intro Call