Statement of ServicesWhat We Do

Three lines, printed in full.

Everything Cartwright does for a family fits on three statement lines — planning, investments, structure. This page is each line at full depth: what it covers, what it costs, and the order the work happens in.

ScopeThree statement lines, one fee

BasisEvery figure printed below

01 — The Service Lines

What each line carries.

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

Status — held

Financial planning

The written plan every other decision answers to.

The plan is the product — the only one on the premises. It maps cash flow, retirement, estate, education and the goals you haven't priced yet, then it comes back to the table every year, in writing, to be checked against what actually happened.

Covered on this line

Retirement & cash-flow mapping
Estate & beneficiary review
Education & major-purchase funding
Insurance & coverage review
Equity-compensation timing
Charitable intent, put in writing

In hand — The document itself — yours to keep, to challenge, or to take elsewhere.

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

LINE 02

Status — held

Investment management

Portfolios built on evidence, checked against cost.

No house funds — there are none — and no manager-selection theatre. Allocation is global and low-cost, rebalancing runs by rule rather than by headline, and reporting is written so you can read it without calling us.

Covered on this line

Global, low-cost allocation
Rule-based rebalancing
Plain-language reporting
Cost & tax-drag audit of what you hold now
Concentrated-position workouts
Cash & treasury laddering

In hand — A portfolio you could explain to your family over dinner.

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

LINE 03

Status — held

Tax-aware structuring

The quiet work that keeps the plan intact.

Structure is where good plans leak. We keep asset location, gain-loss pairing, gifting and trust work current through the year — and we coordinate with your CPA and estate attorney rather than around them.

Covered on this line

Asset location across accounts
Gain & loss pairing
Charitable & trust structure
Entity & trust coordination
An annual gifting schedule
Basis & lot-level records

In hand — A balance sheet whose structure you can defend line by line.

02 — The Liabilities

Balances we hold at zero.

2.1

Commissions

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

The test is simple: try to buy something on this site. There is nothing for sale but the plan.

2.2

Product conflicts

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

The investment committee's standing question — what does it cost, and who gets paid? — is answered in writing before anything is bought.

2.3

Hidden fees

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

The table below is the complete list of what we charge, reviewed with you every year, in writing.

03 — The Fee Table

What we charge. In writing.

You will never have to ask what we cost — it is printed below. This fee, in USD, is the only compensation we take, reviewed with you every year.

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

First $1,000,000

0.90% / yr

Planning included at every tier, no add-on

$1,000,001 – $5,000,000

0.60% / yr

Marginal rate, applied to the increment only

Above $5,000,000

0.40% / yr

Marginal rate, applied to the increment only

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

What the fee includes

Planning included at every tier, no add-on
Every review meeting and every phone call
Rebalancing, reporting, and the paperwork
Coordination with your CPA and estate attorney

Asked across the table

Do you earn anything besides these fees?

Cartwright is compensated only by the fees printed on this page. No commissions, no revenue sharing, no third-party payments.

What does the first conversation cost?

Nothing, and it carries no obligation — there is nothing here to pitch.

What does leaving cost?

No termination fee, no exit paperwork charge, and your plan goes with you.

Talk these fees through with a principal or send your current plan in for a written review →

04 — The Process

Four entries, start to finish.

WEEKS 1–2

Discover

Documents, balance sheet, goals, and the question your last adviser never asked.

In hand — A document list, and nothing to sign.

WEEKS 3–5

Plan

A written plan you can read start to finish, each recommendation priced beside its reasoning.

In hand — The written plan itself.

III

WEEKS 6–8

Implement

Accounts transferred, allocations set, structures filed. Nothing moves without your signature.

In hand — Transfer confirmations, in writing.

QUARTERLY, FOR GOOD

Review

The plan reopens every quarter and rebalances when the rules call for it, not when the news does.

In hand — A one-page entry every quarter.

The written plan is delivered inside 90 days of signing — entry II on this ledger.

The next line is yours.

Whether the balance sheet is straightforward or three businesses deep, it starts the same way: one conversation, and a fee table you have already read.

Put a first conversation on the calendar or meet the principals first →

Who signs the plan — The Practice →