Memento Financial Planning

The firm provides discretionary portfolio management and financial planning to individuals and families, including clients described as high-net-worth, through a solo adviser model. It offers a range of planning arrangements — ongoing comprehensive planning, project-based engagements, and hourly consulting — alongside continuous investment oversight.

Its investment approach centers on passive portfolio construction using index mutual funds and ETFs, supplemented by fundamental and technical analysis when selecting or reviewing investments; the firm may also recommend third‑party outside managers for portions of a client’s portfolio. Portfolio management is conducted on a discretionary basis consistent with each client’s investment policy and risk profile, and the firm encourages clients to notify it of material changes to their circumstances.

Distinctive features for a firm of this size include a relatively small client base with substantial assets under management per client and a compensation model that relies on periodic flat advisory fees rather than being directly tied to account value. The firm also maintains a preferred relationship with a specific custodian that provides platform support to the adviser (creating an economic incentive to maintain client assets there) and generally executes trades on an individual basis rather than aggregating block trades.