Ruedi Wealth Management, Inc.

Ruedi Wealth Management serves individuals (including high-net-worth clients), trusts and estates, pension and profit-sharing plans, and corporations, typically working with clients at or above its $1,000,000 minimum (which it may waive in its discretion). The firm offers discretionary portfolio management, financial planning (provided to clients at no additional cost and also available on a standalone paid basis), and management of held-away defined contribution participant accounts through the Pontera platform.

The firm uses a buy-and-hold investment approach implemented primarily with passively managed mutual funds and exchange-traded funds, building diversified allocations to capture exposures such as large- and small-cap, value, international, emerging markets, and real estate while periodically rebalancing. Ruedi incorporates model outputs into its decision process but emphasizes professional judgment, performs opportunistic tactics like tax-loss harvesting, and monitors portfolios for alignment with client objectives.

Compared with peers, Ruedi discloses that it permits borrowing in separately managed accounts, a practice that is relatively uncommon among comparable team firms, and it directly debits advisory fees from client accounts (which the brochure describes as a form of limited custody). The firm manages roughly $498 million with a five-advisor team across three offices, and its brochure notes it does not charge performance-based fees or engage in side-by-side management.