Comprehensive wealth management
None of our services stand alone. All parts of your financial life should be working together in harmony – in the most effective way possible.
Our services
Cash Flow Analysis & Planning
Understanding expected cash inflows and future needs is critical to building your long-term financial strategy.
Financial Planning
Planning and guidance to help you reach your goals for your lifetime and beyond.
Asset Allocation
A custom asset allocation strategy based on your objectives and risk tolerance, taking into account any outside holdings.
Investment Management
A highly personalized portfolio designed and managed with your individual goals driving all the investment decisions.
Tax Planning
Working with you and your tax professional to make tax-efficient decisions designed to save you money.
Estate Planning
Partnering with your estate planner to help you make the right choices for your family and your legacy.
Philanthropy
Advice on being an impactful giver, through establishing a family foundation, utilizing a Donor Advised Fund (DAF), or ala carte donations.
Family Education
Passing on knowledge to younger generations to help them find their own financial success.
Retirement Income
Working toward the retirement of your dreams.
How it works
Free Discovery Meeting
60 minutes
During this time together, we get aquatinted both financially and personally. You’ll have the opportunity to ask all of your questions, and we’ll talk about your finances to see how we might be able to help.
Analysis
An expert review
If it feels like a good fit, we’ll take the time to analyze your situation and goals and put together a preliminary recommended plan.
Free Proposal Meeting
60 minutes
We’ll present our initial recommendations, and discuss a potential path forward. No obligation; the plan is yours to keep.
If 1102 is a good match for your needs...
What happens next?
- ✔ We create a custom investment policy and strategy statement based on your situation and goals so you know exactly what we’re doing and why
- ✔ We help you transfer your assets and get established in our client portal
- ✔ We’ll structure your customized portfolio and help you implement other aspects of your plan to get you on track
- ✔ We constantly monitor your progress, keeping you updated and adjusting your plan when needed as circumstances change
What can you expect as a client?
Quarterly Updates
Regular progress reports keep you informed
Client Portal
Easy and secure access to your reports
Meetings & Calls
As often as needed
Constant Oversight
Always looking for opportunities
Access to Our CIO
Whenever you need advice
Refine & Improve
Your plan will change with your life
How we handle investments
Highly Customized Portfolios
A truly custom portfolio based on your situation, your needs, and your goals.
Direct Access to the CIO
David is readily available to all of our clients for questions or concerns.
Long-Term Outlook
We invest for the long-term, but are always actively looking for opportunities.
Tax-Efficient, Cost-Effective
We want to make sure your money is working for you, not being wasted on taxes and fees.
Goals-Based
Every investment decision we make is meant to get you closer to your goals.
Risk Management
We reduce risk through diversification – spreading your investments across asset classes, sectors, geographies, and capitalization ranges.
Special Situations Micro-Cap Strategy
David Maley has managed micro-cap equities for clients since 1998. Lessons learned through 25+ years of experience in this unique asset class have honed his skills as an analyst and portfolio manager.
This strategy seeks to generate significant long-term absolute gains through investments in overlooked publicly traded micro-cap equities by employing hands-on fundamental research.
Choosing an advisor is a big deal
It’s a very personal decision, and we want you to make the best decision for you. After all, we could be working together for decades. That’s why we offer a free hour-long discovery meeting to get to know each other, followed by another hour-long proposal meeting. That’s where we share our initial analysis of your financial situation, show you how we would work together, and what our plans for you would look like. No obligation. Because we want you to make the right choice too!
If you’ve reached our preferred account size of $5 million or more, it’s likely you have made some good investment decisions of your own. In fact, many of our clients managed their entire portfolios without an advisor until the day they decided to gain expert advice by working with us. As you get closer to retirement, and even more so afterward, there is not as much time to adjust for error. Our best-fit clients understand the value of working with an expert and are ready to hand over the reins – looking for the peace of mind they get knowing that their finances are in capable hands.
We also make your life simpler. We will work with you to make moving your accounts painless, guiding you every step of the way. Once that is complete you will know that:
- You no longer have to take on all financial stress alone.
- You have a partner on your side to lean on for all of your financial decisions – big and small. Our advice goes well beyond investment management, and we are available as needed.
- All of your finances are working together effectively and efficiently. We look at your holdings analytically and holistically, and we include external investments, private or otherwise, in our analysis of your portfolio.
FAQs
Why work with a CFP® Professional?
Almost anyone can call themselves a financial planner. However, earning the CERTIFIED FINANCIAL PROFESSIONAL™ designation requires both extensive subject knowledge and maintenance of the highest ethical and fiduciary standards. David Maley, Our Chief Investment Officer, earned this designation in 2023 after decades in various investment roles. This curriculum provided an extremely comprehensive and valuable knowledge base to complement his investment expertise in his current role as a Family Office CIO.
Please visit letsmakeaplan.org to learn more.
How are you paid?
We are a fee-only firm. That means we do not earn commissions on any transactions we undertake on your behalf. We charge a percentage of Assets Under Management (AUM) which we believe to be lower than most of our competitors, and which decreases as your AUM reaches certain thresholds. Our full fee schedule is available upon request or can be found in our ADV.
Our fee includes investment management along with service as befits a Family Office client. We provide financial planning, cash flow analysis, retirement planning, equity management services, legacy planning, philanthropic advice, family financial education, insurance planning, as well as tax and estate planning in collaboration with your trusted advisors.
What is your investment philosophy?
We are patient, long-term investors who believe in transparency, simplicity, and expense and tax minimization. Diversification is a cornerstone of our highly personalized portfolio construction, designed to align with your risk tolerance and long-term objectives.
The core equity portfolio for most clients is our proprietary Quality Dividend Growth strategy. We build around that by using low cost Exchange Traded Funds (ETF’s) and/or mutual funds to gain exposure to other asset classes and sub-asset classes. We also use individual securities in fixed income portfolios when desirable.
For our Special Situations Micro-Cap strategy, we employ a long-term deep value approach. Most of our Family Office clients do not utilize this strategy; most investors in the portfolio hire us specifically for this purpose.
Is the initial meeting free?
Yes, and if we both see a potential fit after that meeting, we will present a proposal including a detailed preliminary plan free of charge in a second meeting. This proposal will be based on your current financial situation and our initial understanding of your risk tolerance and goals for your lifetime and legacy. If we then decide to work together, we will refine that plan as we dive deeper into your finances and objectives. We will then draft a comprehensive Investment Policy and Strategy Statement designed to guide our actions going forward.
I have private equity and other non-publicly traded assets. How does that work?
Most of our clients have some investments outside of 1102’s investment responsibility. We take these into account as we analyze your risk profile and manage your portfolio. We often communicate with those managing these outside assets, as we seek to fully integrate them into your plan. There is no additional fee for 1102 Partners to monitor these or to include them in our portfolio analysis.
Where will my assets be held?
Our clients have their assets custodied at Charles Schwab & Co., where we operate on the Schwab Advisor Platform. We work with you to make the transition as seamless as possible. This arrangement provides an extra layer of security and transparency for you, as only you have the ability to move assets or cash from your accounts. You will have the ability to access your Schwab accounts online at any time and will receive regular statements and transaction confirmations from them.
Can you help me with starting a family foundation or meeting other philanthropic goals?
Yes. Philanthropy is often a big part of our clients’ legacy plans. Judy Maley has over 30 years of experience in the world of philanthropy, nonprofits, and social enterprise which we bring to bear in helping you create a plan for impactful giving. We can help you create a family foundation, including the administrative steps, drafting a mission statement, and managing the foundation’s assets. We can also advise you on using a Donor Advised Fund (DAF), making ala carte donations, and creating a legacy giving plan.
Interested in learning more?
Are you ready to learn more about working with 1102?
Fill out a short form to start a conversation, ask your questions, and decide if we’re a good fit.
