3T Advisors LLC

The firm provides customized financial planning and investment advisory services to individuals, trusts, estates, charitable organizations and private business entities, generally recommending domestic and international stocks, bonds, mutual funds and exchange-traded funds with selective use of options. It also offers ancillary services such as insurance planning, retirement and education planning, tax planning and preparation, planned giving and coordinated estate planning.

The firm describes a long-term, risk‑adjusted investment approach that tailors portfolio construction and asset allocation to each client’s cash flow, risk tolerance and stated objectives, using traditional fundamental and technical analysis and seeking broad diversification while minimizing turnover and tax impact. Clients retain investment discretion, receive at least quarterly portfolio reviews, and the adviser operates on a fee‑only, fiduciary basis without accepting commissions or custodying client assets.

Notable departures from typical manager practices include the availability of hourly billing for financial consulting (the brochure cites an hourly rate and negotiable flat fees), which is less common among investment managers that charge percentage‑of‑AUM fees, and the firm’s principal maintaining an active practice as a licensed CPA who provides tax‑preparation services and CFO‑level consulting to nonprofit organizations. The brochure also reports $0 in client assets managed and specifies that fees are invoiced directly rather than deducted from custodial accounts.