Private Wealth StatementFee-Only Fiduciary

Advice with nothing to sell you.

Cartwright Private Wealth is an independent, fee-only fiduciary. No commissions, no house funds, no percentage tucked into someone else's product — one written plan, one printed fee table, and counsel that answers to you and no one else.

Schedule the first conversation or request a written plan review →

Prepared forFamilies with layered balance sheets

Basis of engagementA flat fee, or one published percentage

Open port-wine leather portfolio holding ruled statement paper and a fountain pen on a walnut desk in morning light — Fig. 01 — Every plan begins here, on ruled paper.

01 — The Statement

One page tells you who we answer to.

Macro of vintage ledger paper with ruled columns and a red margin line

Assets — what we manage

Status

1.1

Financial planning

Cash flow, retirement, estate, education — mapped once, revised every year.

HELD

1.2

Investment management

Portfolios built on evidence, rebalanced by rule, reported in plain language.

HELD

1.3

Tax-aware structuring

Asset location, gain-loss pairing, charitable and trust work, kept current.

HELD

Liabilities — what we remove

Balance

2.1

Commissions

We are paid to advise, never to place a product. Nothing on this page pays us a commission.

2.2

Product conflicts

No house funds, no revenue sharing, no quota waiting at the end of the quarter.

2.3

Hidden fees

One printed fee table. If a cost isn't on it, you don't pay it.

Net position

Advice held to your interest, and no one else's.

Carried forward to line 04 ↓

Edmund Cartwright, founding adviser, annotating a written financial plan with a fountain pen at a walnut desk in the firm's library

Fountain pen nib drawing a dark port-red ink line across cream statement paper

02 — Philosophy

Planning first. No products, ever.

Most financial advice is a sales channel wearing a suit. Pay the adviser by the product and, sooner or later, the product finds its way into the plan. Cartwright runs in reverse: the plan comes first, and it is the only thing we sell.

We act as a fiduciary on every engagement, not only when a rule requires it. Each recommendation is set down with its reasoning and its cost on the same page, so you can check our work five years from now.

If you can't see what it costs, it isn't advice.

Independent · Fee-only · Fiduciary standard

The principals — who signs your plan

Two advisers. No sales desk.

Edmund Cartwright, founding adviser, seated in the firm's walnut library holding his reading glasses — Edmund Cartwright
CFP® · Founding Adviser

Mira Chandran, partner adviser, seated by a window in the firm's library with her hand on a leather folio — Mira Chandran
CFA, CFP® · Partner Adviser

The principals, on the record →

03 — Services

Three lines. Nothing off the books.

Everything we do sits on three statement lines below. Each is printed at full depth — scope, fee, and process — on the What We Do page.

An adviser points a fountain pen at a line in a printed financial plan while a couple across the walnut table follows along

LINE 01

Financial planning

The written plan every other decision answers to.

Retirement & cash-flow mapping
Estate & beneficiary review
Education & major-purchase funding

Line 01, in full →

Stone office facades catching first light at dawn on a quiet street

LINE 02

Investment management

Portfolios built on evidence, checked against cost.

Global, low-cost allocation
Rule-based rebalancing
Plain-language reporting

Line 02, in full →

Backs of two dark leather chairs at a polished walnut boardroom table

LINE 03

Tax-aware structuring

The quiet work that keeps the plan intact.

Asset location across accounts
Gain & loss pairing
Charitable & trust structure

Line 03, in full →

04 — Net Position

What we put on record.

We publish no performance figures and promise none. What we can put on the record is the practice itself.

284

FAMILIES SERVED

Some spanning three generations of the same family.

YEARS ADVISING

Independent since the very first client.

97%

CLIENT RETENTION

Measured across the last five years.

Practice metrics, not investment results — no returns cited, no performance implied.

05 — The Fee Table

What we charge. In writing.

You will never have to ask what we cost — it is printed. The opening lines are below; the table runs in full, with everything it includes, on the What We Do page.

A · Flat-fee planning

The written plan

from $4,800

Full plan, delivered inside 90 days of signing

Plan + annual care

from $7,200 / yr

The plan re-opened and re-costed every year

B · Wealth management — annual, billed quarterly

One published percentage

0.90% at the first dollar, stepping to 0.40%

Marginal by tier, planning included at every tier — the full schedule is printed on the What We Do page

No commissions · No product fees · No custody markups · No termination fee

Take these fees to a principal or read the full fee table first →

06 — Process

Four entries, then the books stay open.

WEEKS 1–2

Discover

WEEKS 3–5

Plan

III

WEEKS 6–8

Implement

QUARTERLY, FOR GOOD

Review

Walk the process in full →

Closing entry

Bring your balance sheet in for review.

One conversation, no obligation — and no pitch, because there is nothing here to pitch. If we are not the right fit for your balance sheet, we'll say so and point you to someone who is.

Make the first entry or begin with a written plan review →

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