Laminar Wealth LLC

Laminar Wealth works primarily with individual and high‑net‑worth clients, as well as their trusts and estates, providing discretionary investment management and comprehensive financial planning. Client engagements begin with discovery meetings and include ongoing reviews to align investment decisions with each client’s goals, risk tolerance, liquidity needs, and other personal circumstances.

The firm follows a predominantly passive, risk‑based investment approach, constructing diversified portfolios mainly with low‑cost ETFs and mutual funds and drawing on Modern Portfolio Theory, the Efficient Market Hypothesis, and multi‑factor concepts. Portfolios are typically long‑term with periodic rebalancing; the firm also uses instruments such as TIPS for clients in or nearing distribution and advises on preexisting concentrated positions or employer stock when needed.

Distinctive features include a small advisory footprint—two advisors serving 27 client relationships and managing about $132 million—combined with a fixed annual fee model rather than a percentage‑of‑AUM billing structure. The firm’s principal holds a Certified Public Accountant credential but does not provide accounting services through the advisory practice, and the brochure discloses potential exposure to nontraditional assets (including indirect Bitcoin exposure) and the use of a major custodial broker‑dealer.