The Coleridge Group LLC

The Coleridge Group provides ongoing financial planning, project-based planning, investment management (as an add-on to planning), and employee benefit plan advisory to individuals — including high-net-worth clients — as well as pension/profit-sharing plans and charitable organizations. Clients receive written or electronic financial plans, ongoing planner access by subscription, and continuous portfolio supervision tied to each client’s stated objectives.

The firm’s investment approach is grounded in modern portfolio theory and primarily practices passive management using index mutual funds and ETFs, supplemented by fundamental, technical, cyclical and charting analysis when appropriate. Portfolios are constructed around asset-allocation targets and risk tolerances; managed accounts are custodied at a major broker-dealer and are typically reviewed on a quarterly basis.

What is distinctive about this adviser is its fee model: it does not rely on percentage-of-assets-under-management fees and instead bills planning and management through fixed subscription, project/hourly arrangements and flat add-on management fees, with periodic inflation adjustments, and it does not accept commissions. The firm combines a long operating history and a relatively small client roster managing roughly $56 million with an openness to a wide range of alternative investments (including private funds and cryptocurrencies as potential allocations), a combination that is uncommon among similarly sized advisory firms.