Crafted Finance, LLC

Crafted Finance, LLC serves individual and high-net-worth clients as well as employer-sponsored retirement plans, offering portfolio management alongside a range of financial planning engagements that include ongoing fixed-cost planning, project-based work, and hourly consultations. The firm reports managing approximately $65.4 million for about 148 clients and also provides employee benefit plan consulting and implementation support.

The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes passive management using diversified index mutual funds and ETFs, with portfolios built to client-specific investment policy statements. Crafted Finance also uses outside managers and platforms — including Atria Investments, Altruist, and Betterment — and conducts periodic due diligence and monitoring of those managers as part of its implementation process.

Compared with many peers, Crafted Finance combines a formal ongoing planning program with AUM management while integrating third-party robo/advisor platforms and sub-advisors to implement model allocations. Its disclosed operational practices include issuing detailed invoices and reconciling fees with refunds for unearned amounts, providing employee plan services, declining third-party sales compensation, and noting that proxies and written solicitation materials are delivered directly by custodians while the firm does not produce separate written performance reports for investment advisory clients.