Entrusted Wealth LLC offers retirement planning and investment management services to individuals over age 50 for a transparent, flat fee. Our goal is to provide the best combination of service, investments and technology that exists in the marketplace today.
Retirement planning is arguably the most impactful area within all of personal financial planning. This is not only because of the sheer number of moving parts, but also the emotional aspect of transitioning from a life employed to a life less encumbered. We evaluate several critical financial questions as our clients enter this phase of life:
Whereas our retirement planning service is more of a one-time evaluation, our planning + investment management service is designed to be ongoing and comprehensive. Most clients tend to engage us for these ongoing services. Please see Pricing for more information about the differences between the two.
To learn about how we manage investments, please see Investment Philosophy.
We manage assets for 0.5% per year on the first $2 million in household assets. Managed assets above this amount do not increase fees. Or, we can offer retirement planning, only, for a flat annual fee of $3,900 per year per client relationship (household). Either approach includes planning, investment management (if applicable) and all technology tools.
Our investment philosophy is straightforward. There is overwhelming evidence suggesting that what determines long-term investment results in public markets is dependent upon the amount of stable assets owned relative to the amount of growth assets owned, i.e. "investment mix." Put another way, the amount you own in stocks vs. the amount you own in bonds.
We use a mix of Dimensional Funds (DFA) and Vanguard mutual funds and exchange traded funds (ETFs) as well as a few ETFs from various other companies for our core investment lineup. We seek to achieve broad diversification at a low cost, using simple yet sophisticated strategies backed by Nobel Prize winning research.
What this means for clients' personal portfolios can be different for each client. This is because personal circumstances are a primary consideration in our investment decision-making process for each household. As an example, you may have a 401(k) account that has a variety of investment choices from which to choose, only a few of which are in-line with our philosophy. We would use those investments within your 401(k) (as 401(k) lineups are set by employers and therefore our options are limited) and build the rest of your investments around them to be sure your household investment choices are optimized based on your financial plan and risk preferences.
N.B. - Returns are for period-ending March 31, 2023. Sources: Company websites, Morningstar.com.
Performance figures are for illustrative purposes, only. These figures represent individual security performance and not client returns. Past performance is no guarantee of future results.
Entrusted Wealth LLC is owned and operated by TJ Middlesworth. TJ has been in financial services since 2004 with a focus on investment analysis, portfolio management and financial planning. He created Entrusted Wealth LLC to offer clients an attractive alternative to conventional financial planning arrangements. To deliver on this he is focusing on two areas: (1) to develop and grow meaningful relationships with his clients in order to better understand and serve them, and (2) to use his industry knowledge and experience to create the best combination of service, investments and technology that exists in the marketplace.
TJ grew up in Bigfork, and after attending Linfield University in Oregon and working his early professional life in Portland and Eastern Washington, he and his family moved back to the Flathead Valley in late 2020. He is blessed to have a beautiful wife and three wonderful daughters. When he's not thinking of ways to make Entrusted Wealth LLC better, he enjoys spending time with friends and family, going for hikes, playing basketball and catching up on Netflix.
From 2006-2011 TJ worked as an equity research analyst in Portland, OR where he helped his team to rank on Institutional Investor's Best of the Boutiques All-American Research Team. Prior to launching his own advisory firm TJ served as Chief Investment Officer for a community bank Trust company, overseeing $1.2 billion in assets.
Chartered Financial Analyst (CFA). The CFA program is a professional credential offered by the CFA Institute to investment and financial professionals. The program covers a broad range of topics relating to investment management, financial analysis, stocks, bonds and derivatives, and provides a generalist knowledge of other areas of finance. To become a Charterholder, candidates must satisfy the following requirements: Have four years (48 months) of qualified work experience (or a combination of education and work experience acceptable by the CFA Institute); Complete the CFA Program (mastery of the current CFA curriculum and passing three six-hour examinations); Become a member of the CFA Institute; Adhere to the CFA Institute Code of Ethics and Standards of Professional Conduct.
Certified Financial Planner™ Professional. The CFP® certification is a financial planning credential awarded by the Certified Financial Planner Board of Standards Inc. (the “CFP Board”) to individuals who meet its education, examination, experience and ethics requirements. Eligible candidates are generally required to have three years of financial planning related experience and possess a bachelor’s degree from an accredited U.S. college or university. Certificants are further required to complete a CFP Board-registered education program (or possess a qualifying professional credential), clear a personal and professional background check, and pass the CFP® Certification Examination, a ten-hour multiple-choice exam divided into three separate sessions. In order to maintain the certification, CFP® designees must also complete at least 30 hours of continuing education every two years on an ongoing basis.
Entrusted Wealth LLC is a Montana Limited Liability Company located in Flathead Valley, Montana. Our services are designed for locals. We typically meet with clients by utilizing simple web technology for video calls, screen sharing, and voice calls, whichever is required for the meeting, or the occasional coffee shop meet-up.
Entrusted Wealth LLC is a registered investment adviser (RIA). Entrusted Wealth LLC may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transactions in securities or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.
Entrusted Wealth LLC is an independent RIA firm and is not a Trust Company, nor is it in any way affiliated with a banking institution. The word "Entrusted" within our company name does not imply or guarantee any level of security or safety regarding assets we manage for clients. All investment advisers including Entrusted Wealth LLC have a fiduciary duty to clients.
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