Independent Wealth, LLC

Independent Wealth, LLC serves a small number of individual and family clients through a two‑phase advisory model that emphasizes comprehensive onboarding followed by optional subscription memberships for ongoing support. The firm provides holistic deliverables — including a Client Profile, a Strategic Investment Plan, cash‑flow and asset‑allocation spreadsheets, and access to a secure client portal — but does not act as a broker or custodian.

The firm’s process is advisory and non‑discretionary: it conducts multi‑hour discovery and strategy appointments to produce a written plan, then leaves implementation and trade execution to the client or third‑party providers. Independent Wealth discloses a broad set of investment risks in its brochure (equities, bonds, precious metals, and virtual currency) and explicitly cautions against certain crypto lending platforms and stablecoins while also noting potential risks from advances in quantum computing.

What distinguishes the firm from many peers is its delivery and fee model: it does not provide portfolio management or charge percentage‑of‑assets fees, instead using a fixed onboarding engagement plus recurring membership options for ongoing advice, and it does not accept custody or discretionary authority. The brochure also contains atypical features for a solo adviser — a narrow client focus rather than mass‑market retail, detailed exclusions of many services (tax, legal, trade execution, selection of individual securities), and unusually explicit risk guidance around virtual currency and quantum computing.