Ten Talents Financial Planning LLC

Ten Talents provides financial planning and discretionary investment management to individuals, families, trusts, estates and high-net-worth clients. Engagements commonly begin with a project-based financial planning engagement (typically a three-month arrangement billed in arrears) and the firm also offers tax preparation and tax-planning services to its investment management clients (tax services are not offered as a standalone service).

The firm generally constructs diversified, long-term portfolios that rely on passive, low-cost mutual funds and ETFs while applying fundamental analysis and an Investment Policy Statement to set strategic asset allocations. Ten Talents manages portfolios on a discretionary basis, will rebalance or trade for cash needs or tax reasons, and may include nontraditional exposures (the brochure discusses digital-asset considerations and other investment types as appropriate).

Ten Talents manages roughly $50.5 million across a relatively small client base, which translates into larger assets per household than many independent peers and is reflected in fee and service options that differ by account size (for example, the firm may waive its fixed financial planning fee and pay for tax-preparation services for clients with $1,000,000 or more under management). The firm recommends and maintains an institutional relationship with Charles Schwab for custody and execution and discloses the economic benefits received through that relationship.