Toptier Wealth Management

TopTier Wealth Management advises individual and high‑net‑worth clients, offering financial planning, wealth management, and discretionary portfolio management services. The firm reports $175,731,039 in discretionary assets under management across roughly 105 client relationships and notes that financial planning is included as part of its wealth management services (it recently removed standalone annual fees for financial planning).

The firm constructs portfolios primarily using mutual funds and ETFs, applying fundamental analysis and Modern Portfolio Theory while managing most accounts on a discretionary basis and implementing firm‑developed model portfolios. Clients invested in those model portfolios generally may not set restrictions on the specific holdings within the model, and TopTier may also select and monitor third‑party money managers for portions of client portfolios.

Noteworthy features in the brochure include the firm’s relatively large asset base given its two‑advisor structure and a clear emphasis on employer‑related and business planning services—such as employee stock option and restricted stock unit analysis, severance and relocation package analysis, long‑term compensation planning, and business succession work. The brochure also discloses operational specifics that are less common among peers: an explicit disclosure about risks from service providers’ use of artificial intelligence and a stated practice of using Charles Schwab as custodian and execution venue for the firm’s model portfolios.