Natural Bridges Financial Advisors

Natural Bridges Financial Advisors is a fee-only advisory firm that provides comprehensive financial planning and discretionary investment management to individuals and families, offering services that include tax planning and preparation, estate-plan reviews, risk management, retirement planning, and business development support. The firm operates with a small advisory team and serves a relatively limited client base while reporting roughly $155.8 million in discretionary assets under management.

Investment advice is implemented through tailored, documented investment policy statements and discretionary asset allocation that reflect each client’s goals, risk tolerance, and tax situation, with portfolios built primarily from low-cost exchange-traded funds and no-load mutual funds (notably Dimensional Fund Advisors and Vanguard). The firm may also recommend or place assets with unaffiliated sub-advisors for ongoing management and uses its institutional custodian relationship with Altruist for custody, trading, and optional cash sweep services.

What is distinctive about Natural Bridges is its fee model and related operating practices: rather than the more common percentage-of-assets model, the firm principally uses an Open Retainer (a fixed annual fee billed quarterly, currently disclosed in the $12,000–$50,000 range), and it affirms a strict fee-only, fiduciary posture without accepting third-party commissions. Additional notable features include membership in fee-only advisor networks (e.g., ACP and NAPFA), the existence of legacy clients on prior fee arrangements, and a custodial setup that permits fee deduction and an Altruist Cash sweep with specific FDIC coverage considerations.