Off-Trail Works LLC

Off-Trail Works LLC is a state‑registered, single‑advisor independent investment adviser that provides comprehensive financial planning and discretionary portfolio management to individuals, families, small business owners, trusts, and related entities. As of December 31, 2025 the firm reports roughly $9 million in regulatory assets under management and a client base of about 21 households, delivering services through 12‑month annual planning engagements.

The firm operates as a planning‑first practice: every investment management relationship is preceded by comprehensive financial planning (cash‑flow, Monte Carlo retirement and tax projections, estate coordination) and ongoing reviews. Investment implementation uses Altruist’s model marketplace with low‑cost ETFs, factor tilts, tax‑efficient asset location, direct indexing and tax‑loss harvesting when appropriate, with discretionary management, regular rebalancing, and semi‑annual formal plan updates.

Distinctive features include a complexity‑based pricing model with a planning‑fee offset and tiered thresholds that cap total fees while planning fees remain in effect and can reduce to $0 as assets grow, plus a held‑away asset rule that can require transfer or payment of the tier threshold after a 12‑month review. The firm also requires custody through a single custodian (Altruist), offers separate fractional CFO engagements for businesses, makes direct indexing broadly available via fractional shares, and discloses use of AI tools to assist research and communications subject to human review.