Tax-Efficient Compounding
Simple, fee-only structure for people with concentrated equity, RSUs, or capital from a liquidity event.
Most people leave a liquidity event with capital and good intentions. Many still end up interfering — selling at the wrong time, over-complicating the portfolio, or paying unnecessary taxes.
I help clients actually compound that capital with a simple, tax-efficient structure so they don’t interfere. No planning theater.
Direct access. Fee-only fiduciary based in Brooklyn.
Why Choose a Fee-Only Fiduciary?
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We are legally obligated to put your financial interests first at all times.
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As a fee-only advisor, we never accept commissions, kickbacks, or third-party compensation.
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Work directly with founder Herman Schroeder, CFA, MBA, ACA—never a call center or junior account manager.
Comprehensive Advisory Services
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Value-oriented, global asset allocation strategies engineered around your risk tolerance and life goals. We construct tailored, fee-only investment portfolios focused on global diversification, disciplined asset allocation, and cost efficiency to preserve and grow your capital across market cycles.
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High NYC income and vesting equity don't have to mean massive tax bills. We integrate continuous, intraday tax-loss harvesting, intelligent asset location, and dedicated RSU/ISO exercise strategies so you systematically lower your lifetime tax burden and safely diversify concentrated stock positions.
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Sustainable retirement income modeling, cash flow planning, and estate gifting strategies. We run comprehensive retirement projections and model scenarios for distribution strategies to ensure long-term financial independence and legacy protection.
Modern Tech Infrastructure & Frictionless Experience
Built for Speed, Transparency, and Efficiency
We pair institutional financial discipline with modern, tech-forward advisory tools to eliminate administrative drag and save you time.
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Paperless, digital-first account setup and instant asset transfers right from your phone or desktop—no physical forms, delays, or wet signatures required.
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Advanced intelligence tools that allow us to model complex RSU vesting schedules, ISO exercise scenarios, and tax trees instantly during our calls.
Local Expertise, Virtual Convenience
While based in Brooklyn—serving clients across Cobble Hill, Boerum Hill, Park Slope, Carroll Gardens, Brooklyn Heights, and Downtown Brooklyn—we offer seamless, secure virtual wealth management services for clients across New York City and nationwide.
INDEPENDENT FIDUCIARY & PROFESSIONAL CREDENTIALS