T.o.s. Advisors, LLC

T.O.S. Advisors, LLC is an independent investment manager established in May 2012, based in Houston, Texas. The firm specializes in providing wealth management and family office services to high-net-worth individuals, family foundations, trusts, and endowments. Clients typically have wealth exceeding $40 million, with services tailored to individual needs. T.O.S. Advisors offers both discretionary and non-discretionary wealth management services, allowing clients to negotiate terms in the Consulting Agreement. The firm's investment philosophy focuses on capital preservation, volatility reduction, and long-term purchasing power increase through asset allocation, access to top-tier investment managers, due diligence, and liquidity management. As of December 31, 2022, T.O.S. Advisors had approximately $272 million in regulatory assets under management, with services including financial strategy creation, asset allocation, investment manager selection, due diligence, and ongoing monitoring. The firm charges a negotiable fixed advisory fee based on agreed-upon services, invoiced quarterly. Clients are responsible for trading costs, custodial fees, and other third-party expenses. T.O.S. Advisors does not charge performance-based fees, act in a side-by-side management capacity, or have any disciplinary history in the past 10 years. The firm operates with transparency in pricing and does not engage in soft dollar arrangements or directed brokerage. Clients' accounts are held by qualified custodians, and T.O.S. Advisors may exercise investment discretion based on Consulting Agreement terms. The firm has a Code of Ethics in place, ensuring a fiduciary duty to clients, and clients receive periodic reports and reviews of their accounts. T.O.S. Advisors may offer compensation for client referrals and does not have any financial industry affiliations that pose conflicts of interest.