Altiora Financial Group, LLC

Altiora Financial Group serves individual and high-net-worth clients as well as associated trusts and estates, offering a combined investment and financial advisory service that includes financial planning, development of a Financial Profile and Investment Policy Statement (IPS), and ongoing portfolio supervision on either a discretionary or non-discretionary basis. Ongoing services include portfolio implementation and monitoring, performance reporting, tax gain/loss harvesting, cashiering and transfer assistance, and general account administration.

The firm’s investment approach is evidence-based and largely implemented with passive/index exchange-traded funds and mutual funds (including offerings from DFA, Vanguard, Fidelity, and Schwab), with portfolio construction guided by client-specific IPS documents and contingent rebalancing rules (e.g., rebalancing triggers for relative or absolute deviations). Altiora emphasizes asset-allocation as the primary driver of returns, cost and tax awareness in implementation, and manages client assets internally rather than delegating to third‑party managers.

A notable distinction is that the firm operates as a single-advisor practice while overseeing approximately $982 million in assets, pairing a high assets‑per‑advisor profile with an advice‑centric business model that uses a flat fixed retainer rather than the industry‑typical percentage‑of‑AUM fee. The firm’s principal also serves as its managing member and compliance officer, and clients should note that certain investment vehicles used (for example, DFA funds) may have restrictions if the advisory relationship ends.