Sandpiper Capital, LLC

Sandpiper Capital, LLC is a fee‑only fiduciary investment adviser that managed roughly $36.6 million in discretionary assets across about 100 accounts as of December 31, 2024. It provides portfolio management using model asset allocation portfolios for individuals (both non‑HNW and HNW), with additional client types including charitable organizations and corporate or business clients, and it also offers consulting services to other investment advisers.

The firm’s investment approach is grounded in Modern Portfolio Theory, prioritizing risk management through strategic asset allocation and diversification across securities, markets, investment styles and strategies. Portfolios are implemented primarily with stocks, bonds, ETFs and, where appropriate, mutual fund or annuity separate‑account holdings, monitored at least monthly and rebalanced as needed using proprietary models supplemented by third‑party analytics.

Distinctive aspects highlighted in the brochure include the firm’s work with charitable and corporate/institutional clients and an explicit policy to offer fee discounts to nonprofit organizations. The brochure also indicates the firm presents model‑based allocations rather than holistic financial planning and that it discloses hypothetical performance in its materials, features that are uncommon among similar solo independent advisers.