How it works
Bespoke wealth management for a select group of families: one advisor, one written plan per family, and a portfolio built to that plan. Here’s the whole of it, and what it costs.
The plan, then the course corrections.
The plan.
Every family starts with a written plan, which you sign. It says what the money is for, how much risk you can live with, and what you won’t own. The formal name is an Investment Policy Statement. Everything afterward answers to this.
The portfolio.
Brian builds it to that plan, one family at a time, with an evidence-based approach: decisions grounded in decades of market research rather than forecasts. Two families with the same amount of money end up with different portfolios, because their plans differ.
The course corrections.
Brian monitors every portfolio every day, and reviews the plan behind it several times a year. Most days nothing needs doing. Some years there are two course corrections, some years ten—whenever the markets or your life call for one.
The tax return.
For families with complex returns who share them, Brian reviews the return each year. Your accountant prepares it; Brian reviews it to see whether the plan actually happened, and to plan the next year’s taxes.
The rest of it.
The questions that arrive with money are part of the same conversation: retirement, Roth conversions, insurance and protecting what you’ve built, philanthropy, the estate plan, and what to tell the children and when. Brian works alongside your accountant and your attorney.
Getting started
No two starts look the same. Each one is fitted to the family. Most end the same way: fewer custodians, fewer accounts and less paperwork than they began with.
The first call.
A conversation about where things stand and where you’d like to go. If Sherwood isn’t the right fit, Brian says so, and points you somewhere better.
The plan.
A few conversations, and the documents that matter: statements, the last tax return, the estate plan. Brian writes the plan. You read it, make adjustments if needed, and sign it.
The move.
If your accounts are already at Charles Schwab, they come under Brian’s management with less paperwork. If they’re elsewhere, they move to Schwab in your own name, and Brian checks every holding against the old statement.
The portfolio.
Built to the plan you signed.
What it costs
The minimum is $3 million in investable assets.
| Assets under management | Annual fee |
|---|---|
| First $3 million | 1.00% |
| Next $2 million (to $5 million) | 0.75% |
| Above $5 million | 0.50% |
A household with $4 million under management pays $37,500 a year: 1.00% on the first $3 million, 0.75% on the next $1 million.
No commissions, no referral fees, no trailing fees from funds. Full detail is in Form ADV Part 2.
What if something happens to Brian?
Your accounts are always held at Charles Schwab, ensuring uninterrupted access, secure reporting, and institutional protections. Sherwood Wealth maintains a formal continuity plan so that, in the unlikely event Brian takes a tumble down the mountain, another qualified advisor can step in to support you and your family without disruption. You choose who that is, and your assets never move unless you move them.