Michael Brady & Co., LLC

The firm provides fee-only financial planning and discretionary investment management for individual pre-retirees and retirees, managing approximately $248.6 million in discretionary assets for about 218 clients. Clients typically receive a combined package of financial planning and investment management services and are asked to maintain a combined account balance of $250,000 (the firm may waive this minimum).

The firm emphasizes a strategic, globally diversified asset allocation implemented primarily with low‑fee, no‑commission mutual funds and ETFs in a buy-and-hold framework with periodic rebalancing, and it will engage third‑party sub‑advisors or private money managers for more tactical mandates when appropriate. Its research inputs include external providers named in the brochure—Morningstar, Fidelity Institutional Wealth Services, Kwanti Analytics, and Clearnomics—and the firm participates in a custodian advisor services program that offers additional research and access to certain investment products.

Noteworthy among peers, the firm discloses its use of third‑party research and advisor services in its brochure and highlights access to external analytics and investment pools, an approach that is uncommon for similarly supported firms. The advisory team is small and credentialed in financial planning, the firm operates strictly on a fee‑only basis without accepting commissions, and it forwards proxy materials to clients for voting rather than voting proxies on their behalf.