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achieve sustainable returns rather than short-term market timing",{"type":903,"content":1124},[1125],{"type":18,"attrs":1126,"content":1127},{"textAlign":34},[1128,1132],{"text":1129,"type":22,"marks":1130},"Integrated with financial planning",[1131],{"type":38},{"text":1133,"type":22}," – investment strategy aligns with tax, estate, and overall financial plans","Investing strategy ",{"_uid":1136,"text":1137,"title":1205,"component":1044},"20ef90f5-49f2-4398-88f9-95c283bd175f",{"type":15,"content":1138},[1139],{"type":900,"content":1140},[1141,1157,1173,1189],{"type":903,"content":1142},[1143],{"type":18,"attrs":1144,"content":1145},{"textAlign":34},[1146,1152],{"text":1147,"type":22,"marks":1148},"Comprehensive, advisor-led service: ",[1149,1151],{"type":129,"attrs":1150},{"color":773},{"type":38},{"text":1153,"type":22,"marks":1154},"Clients can receive financial planning, tax preparation, estate-planning coordination, insurance planning and real estate services all under one firm. ",[1155],{"type":129,"attrs":1156},{"color":773},{"type":903,"content":1158},[1159],{"type":18,"attrs":1160,"content":1161},{"textAlign":34},[1162,1168],{"text":1163,"type":22,"marks":1164},"Evidence-based investment philosophy: ",[1165,1167],{"type":129,"attrs":1166},{"color":773},{"type":38},{"text":1169,"type":22,"marks":1170},"Empirical builds portfolios using Modern Portfolio Theory and incorporates 12–21 asset classes informed by academic research, including the Fama-French framework, and offers 55 active and 8 passive strategies to support a structured, research-driven approach.",[1171],{"type":129,"attrs":1172},{"color":773},{"type":903,"content":1174},[1175],{"type":18,"attrs":1176,"content":1177},{"textAlign":34},[1178,1184],{"text":1179,"type":22,"marks":1180},"Access to human advisors and specialists:",[1181,1183],{"type":129,"attrs":1182},{"color":773},{"type":38},{"text":1185,"type":22,"marks":1186}," Clients work directly with financial advisors, portfolio managers, tax professionals, and, when needed, affiliated real estate and insurance teams. ",[1187],{"type":129,"attrs":1188},{"color":773},{"type":903,"content":1190},[1191],{"type":18,"attrs":1192,"content":1193},{"textAlign":34},[1194,1200],{"text":1195,"type":22,"marks":1196},"Additional support for complex financial needs:",[1197,1199],{"type":129,"attrs":1198},{"color":773},{"type":38},{"text":1201,"type":22,"marks":1202}," Services such as retirement plan consulting, executive consulting, and private fund access (for qualified investors) expand planning options for clients with more intricate financial structures. ",[1203],{"type":129,"attrs":1204},{"color":773},"Pros",{"_uid":1207,"text":1208,"title":1296,"component":1044},"2e863892-ef38-4873-b00e-9b6804900c3b",{"type":15,"content":1209},[1210],{"type":900,"content":1211},[1212,1242,1258,1280],{"type":903,"content":1213},[1214],{"type":18,"attrs":1215,"content":1216},{"textAlign":34},[1217,1223,1228,1237],{"text":1218,"type":22,"marks":1219},"Higher asset minimums: ",[1220,1222],{"type":129,"attrs":1221},{"color":773},{"type":38},{"text":1224,"type":22,"marks":1225},"Empirical generally requires a ",[1226],{"type":129,"attrs":1227},{"color":773},{"text":1229,"type":22,"marks":1230},"$3,000,000",[1231,1234,1236],{"type":31,"attrs":1232},{"href":804,"uuid":1233,"anchor":34,"target":1233,"linktype":36},"null",{"type":129,"attrs":1235},{"color":807},{"type":809},{"text":1238,"type":22,"marks":1239}," minimum to open and maintain an advisory relationship, which may limit accessibility for smaller investors. ",[1240],{"type":129,"attrs":1241},{"color":773},{"type":903,"content":1243},[1244],{"type":18,"attrs":1245,"content":1246},{"textAlign":34},[1247,1253],{"text":1248,"type":22,"marks":1249},"Fees can vary based on negotiated schedules: ",[1250,1252],{"type":129,"attrs":1251},{"color":773},{"type":38},{"text":1254,"type":22,"marks":1255},"Advisory fees are tiered and negotiable, up to a maximum of 1.00%, meaning client costs may differ depending on account size and circumstances. ",[1256],{"type":129,"attrs":1257},{"color":773},{"type":903,"content":1259},[1260],{"type":18,"attrs":1261,"content":1262},{"textAlign":34},[1263,1269,1274],{"text":1264,"type":22,"marks":1265},"Potential conflicts of interest: ",[1266,1268],{"type":129,"attrs":1267},{"color":773},{"type":38},{"text":1270,"type":22,"marks":1271},"Affiliated insurance and real estate entities earn commissions, and the firm participates in the Schwab Advisor Network referral program, which may create incentives that clients should be aware of.",[1272],{"type":129,"attrs":1273},{"color":773},{"text":1275,"type":22,"marks":1276}," ",[1277,1279],{"type":129,"attrs":1278},{"color":773},{"type":38},{"type":903,"content":1281},[1282],{"type":18,"attrs":1283,"content":1284},{"textAlign":34},[1285,1291],{"text":1286,"type":22,"marks":1287},"Primarily advisor-driven, not automated: ",[1288,1290],{"type":129,"attrs":1289},{"color":773},{"type":38},{"text":1292,"type":22,"marks":1293},"Investors seeking automated tools or a digital-first platform may find the service less aligned with hands-off, robo-advisor expectations.",[1294],{"type":129,"attrs":1295},{"color":773},"Cons",{"_uid":1298,"text":1299,"title":1383,"component":1044},"2bf3c278-1373-400e-96c1-fb219b7bf533",{"type":15,"content":1300},[1301],{"type":900,"content":1302},[1303,1319,1335,1351,1367],{"type":903,"content":1304},[1305],{"type":18,"attrs":1306,"content":1307},{"textAlign":34},[1308,1314],{"text":1309,"type":22,"marks":1310},"High-net-worth individuals and families: ",[1311,1313],{"type":129,"attrs":1312},{"color":773},{"type":38},{"text":1315,"type":22,"marks":1316},"The typical $3,000,000 minimum aligns with clients who need coordinated portfolio management, planning and tax support. ",[1317],{"type":129,"attrs":1318},{"color":773},{"type":903,"content":1320},[1321],{"type":18,"attrs":1322,"content":1323},{"textAlign":34},[1324,1330],{"text":1325,"type":22,"marks":1326},"Clients with complex financial situations: ",[1327,1329],{"type":129,"attrs":1328},{"color":773},{"type":38},{"text":1331,"type":22,"marks":1332},"Those managing multiple accounts, business interests, trusts, or estate-planning needs benefit from Empirical’s broad advisory capabilities.",[1333],{"type":129,"attrs":1334},{"color":773},{"type":903,"content":1336},[1337],{"type":18,"attrs":1338,"content":1339},{"textAlign":34},[1340,1346],{"text":1341,"type":22,"marks":1342},"Investors seeking human guidance: ",[1343,1345],{"type":129,"attrs":1344},{"color":773},{"type":38},{"text":1347,"type":22,"marks":1348},"The firm delivers personalized recommendations from financial advisors, portfolio managers, tax professionals and estate-planning partners.",[1349],{"type":129,"attrs":1350},{"color":773},{"type":903,"content":1352},[1353],{"type":18,"attrs":1354,"content":1355},{"textAlign":34},[1356,1362],{"text":1357,"type":22,"marks":1358},"Long-term, planning-focused investors: ",[1359,1361],{"type":129,"attrs":1360},{"color":773},{"type":38},{"text":1363,"type":22,"marks":1364},"Empirical’s planning-first process and diversified portfolio construction support clients who prioritize long-term goals over short-term trading.",[1365],{"type":129,"attrs":1366},{"color":773},{"type":903,"content":1368},[1369],{"type":18,"attrs":1370,"content":1371},{"textAlign":34},[1372,1378],{"text":1373,"type":22,"marks":1374},"Clients who value integrated services: ",[1375,1377],{"type":129,"attrs":1376},{"color":773},{"type":38},{"text":1379,"type":22,"marks":1380},"Wealth management includes investment management, tax preparation, retirement consulting, insurance planning, and real estate support, all coordinated within a single advisory relationship. ",[1381],{"type":129,"attrs":1382},{"color":773},"Who is Empirical Wealth Management best for?",{"id":1385,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1386,"copyright":12,"fieldtype":1387,"meta_data":1388,"is_external_url":543},123843767976498,"https://a.storyblok.com/f/185166/400x300/d45add3b2c/empirical-wealth-management-review.png","asset",{},"Empirical Wealth Management","https://v2.unbiased.com/inquiry/financial-advisor/primary-areas","company-summary-box","Empirical Wealth Management is a US-based registered investment advisor firm that provides advisor-led investment management and comprehensive wealth planning. ","Not sure if Empirical suits your needs? Let Unbiased find a financial advisor that does",{"_uid":1395,"data":1396,"component":823},"4d6b26a0-da9f-46f1-809a-aa1af2a492ec",{"type":15,"content":1397},[1398,1407,1415,1423,1431,1440,1498,1506,1580,1589,1597,1611,1619,1627,1635,1643,1651,1659,1667,1675,1727,1736,1744,1752,1760,1768,1777,1785,1793,1865,1873,1923,1932,1940,1948,1956,1964,1972,1980,1989,1997,2005,2013,2022,2030,2038,2046,2055,2063,2071,2079,2087,2159,2168],{"type":764,"attrs":1399,"content":1400},{"level":766,"textAlign":34},[1401],{"text":1402,"type":22,"marks":1403},"What are the pros and cons of Empirical Wealth Management?",[1404,1406],{"type":129,"attrs":1405},{"color":773},{"type":38},{"type":18,"attrs":1408,"content":1409},{"textAlign":34},[1410],{"text":1411,"type":22,"marks":1412},"Empirical Wealth Management offers a comprehensive, advisor-led approach to financial planning. ",[1413],{"type":129,"attrs":1414},{"color":773},{"type":18,"attrs":1416,"content":1417},{"textAlign":34},[1418],{"text":1419,"type":22,"marks":1420},"Before choosing whether or not to work with a firm, it’s wise to consider all of the pros and cons. ",[1421],{"type":129,"attrs":1422},{"color":773},{"type":18,"attrs":1424,"content":1425},{"textAlign":34},[1426],{"text":1427,"type":22,"marks":1428},"Here are some of the key advantages and drawbacks to get you started. ",[1429],{"type":129,"attrs":1430},{"color":773},{"type":764,"attrs":1432,"content":1434},{"level":1433,"textAlign":34},3,[1435],{"text":1436,"type":22,"marks":1437},"Pros of Empirical Wealth Management:",[1438],{"type":129,"attrs":1439},{"color":773},{"type":900,"content":1441},[1442,1456,1470,1484],{"type":903,"content":1443},[1444],{"type":18,"attrs":1445,"content":1446},{"textAlign":34},[1447,1452],{"text":1147,"type":22,"marks":1448},[1449,1451],{"type":129,"attrs":1450},{"color":773},{"type":38},{"text":1153,"type":22,"marks":1453},[1454],{"type":129,"attrs":1455},{"color":773},{"type":903,"content":1457},[1458],{"type":18,"attrs":1459,"content":1460},{"textAlign":34},[1461,1466],{"text":1163,"type":22,"marks":1462},[1463,1465],{"type":129,"attrs":1464},{"color":773},{"type":38},{"text":1169,"type":22,"marks":1467},[1468],{"type":129,"attrs":1469},{"color":773},{"type":903,"content":1471},[1472],{"type":18,"attrs":1473,"content":1474},{"textAlign":34},[1475,1480],{"text":1179,"type":22,"marks":1476},[1477,1479],{"type":129,"attrs":1478},{"color":773},{"type":38},{"text":1185,"type":22,"marks":1481},[1482],{"type":129,"attrs":1483},{"color":773},{"type":903,"content":1485},[1486],{"type":18,"attrs":1487,"content":1488},{"textAlign":34},[1489,1494],{"text":1195,"type":22,"marks":1490},[1491,1493],{"type":129,"attrs":1492},{"color":773},{"type":38},{"text":1201,"type":22,"marks":1495},[1496],{"type":129,"attrs":1497},{"color":773},{"type":764,"attrs":1499,"content":1500},{"level":1433,"textAlign":34},[1501],{"text":1502,"type":22,"marks":1503},"Cons of Empirical Wealth Management:",[1504],{"type":129,"attrs":1505},{"color":773},{"type":900,"content":1507},[1508,1533,1547,1566],{"type":903,"content":1509},[1510],{"type":18,"attrs":1511,"content":1512},{"textAlign":34},[1513,1518,1522,1529],{"text":1218,"type":22,"marks":1514},[1515,1517],{"type":129,"attrs":1516},{"color":773},{"type":38},{"text":1224,"type":22,"marks":1519},[1520],{"type":129,"attrs":1521},{"color":773},{"text":1229,"type":22,"marks":1523},[1524,1526,1528],{"type":31,"attrs":1525},{"href":804,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1527},{"color":807},{"type":809},{"text":1238,"type":22,"marks":1530},[1531],{"type":129,"attrs":1532},{"color":773},{"type":903,"content":1534},[1535],{"type":18,"attrs":1536,"content":1537},{"textAlign":34},[1538,1543],{"text":1248,"type":22,"marks":1539},[1540,1542],{"type":129,"attrs":1541},{"color":773},{"type":38},{"text":1254,"type":22,"marks":1544},[1545],{"type":129,"attrs":1546},{"color":773},{"type":903,"content":1548},[1549],{"type":18,"attrs":1550,"content":1551},{"textAlign":34},[1552,1557,1561],{"text":1264,"type":22,"marks":1553},[1554,1556],{"type":129,"attrs":1555},{"color":773},{"type":38},{"text":1270,"type":22,"marks":1558},[1559],{"type":129,"attrs":1560},{"color":773},{"text":1275,"type":22,"marks":1562},[1563,1565],{"type":129,"attrs":1564},{"color":773},{"type":38},{"type":903,"content":1567},[1568],{"type":18,"attrs":1569,"content":1570},{"textAlign":34},[1571,1576],{"text":1286,"type":22,"marks":1572},[1573,1575],{"type":129,"attrs":1574},{"color":773},{"type":38},{"text":1292,"type":22,"marks":1577},[1578],{"type":129,"attrs":1579},{"color":773},{"type":764,"attrs":1581,"content":1582},{"level":766,"textAlign":34},[1583],{"text":1584,"type":22,"marks":1585},"Empirical Wealth Management fees: How much does Empirical Wealth Management cost?",[1586,1588],{"type":129,"attrs":1587},{"color":773},{"type":38},{"type":18,"attrs":1590,"content":1591},{"textAlign":34},[1592],{"text":1593,"type":22,"marks":1594},"Empirical Wealth Management uses a tiered pricing structure based on assets under management (AUM). ",[1595],{"type":129,"attrs":1596},{"color":773},{"type":18,"attrs":1598,"content":1599},{"textAlign":34},[1600,1605],{"text":1601,"type":22,"marks":1602},"Fees are outlined in each client’s advisory agreement and will not exceed 1.00% annually",[1603],{"type":129,"attrs":1604},{"color":773},{"text":1606,"type":22,"marks":1607},".",[1608,1610],{"type":129,"attrs":1609},{"color":773},{"type":38},{"type":18,"attrs":1612,"content":1613},{"textAlign":34},[1614],{"text":1615,"type":22,"marks":1616},"Below is a breakdown of the key fees for Empirical’s wealth management service. ",[1617],{"type":129,"attrs":1618},{"color":773},{"type":764,"attrs":1620,"content":1621},{"level":1433,"textAlign":34},[1622],{"text":1623,"type":22,"marks":1624},"AUM-based advisory fee (up to 1.00%):",[1625],{"type":129,"attrs":1626},{"color":773},{"type":18,"attrs":1628,"content":1629},{"textAlign":34},[1630],{"text":1631,"type":22,"marks":1632},"Empirical charges a negotiable, tiered annual fee up to 1.00%, with lower rates applying at higher asset levels. ",[1633],{"type":129,"attrs":1634},{"color":773},{"type":18,"attrs":1636,"content":1637},{"textAlign":34},[1638],{"text":1639,"type":22,"marks":1640},"Fees are billed quarterly, either in arrears using an average daily balance calculation or, for some legacy clients, in advance. ",[1641],{"type":129,"attrs":1642},{"color":773},{"type":764,"attrs":1644,"content":1645},{"level":1433,"textAlign":34},[1646],{"text":1647,"type":22,"marks":1648},"Wrap-fee option:",[1649],{"type":129,"attrs":1650},{"color":773},{"type":18,"attrs":1652,"content":1653},{"textAlign":34},[1654],{"text":1655,"type":22,"marks":1656},"Clients who enroll in the wrap-fee program pay a single comprehensive fee that includes portfolio management, brokerage execution and custodial services, following the same advisory fee schedule. ",[1657],{"type":129,"attrs":1658},{"color":773},{"type":764,"attrs":1660,"content":1661},{"level":1433,"textAlign":34},[1662],{"text":1663,"type":22,"marks":1664},"Other account-level fees charged by custodians or third parties:",[1665],{"type":129,"attrs":1666},{"color":773},{"type":18,"attrs":1668,"content":1669},{"textAlign":34},[1670],{"text":1671,"type":22,"marks":1672},"Empirical does not charge these, but may apply to managed accounts. Such charges are separate from Empirical’s advisory fee and depend on the custodian and investment products used. Examples include",[1673],{"type":129,"attrs":1674},{"color":773},{"type":900,"content":1676},[1677,1687,1697,1707,1717],{"type":903,"content":1678},[1679],{"type":18,"attrs":1680,"content":1681},{"textAlign":34},[1682],{"text":1683,"type":22,"marks":1684},"Mutual fund and ETF internal expenses",[1685],{"type":129,"attrs":1686},{"color":773},{"type":903,"content":1688},[1689],{"type":18,"attrs":1690,"content":1691},{"textAlign":34},[1692],{"text":1693,"type":22,"marks":1694},"Brokerage commissions and trade-away fees",[1695],{"type":129,"attrs":1696},{"color":773},{"type":903,"content":1698},[1699],{"type":18,"attrs":1700,"content":1701},{"textAlign":34},[1702],{"text":1703,"type":22,"marks":1704},"Custodial fees, including charges for non-standard or alternative assets",[1705],{"type":129,"attrs":1706},{"color":773},{"type":903,"content":1708},[1709],{"type":18,"attrs":1710,"content":1711},{"textAlign":34},[1712],{"text":1713,"type":22,"marks":1714},"Margin interest and wire transfer fees",[1715],{"type":129,"attrs":1716},{"color":773},{"type":903,"content":1718},[1719],{"type":18,"attrs":1720,"content":1721},{"textAlign":34},[1722],{"text":1723,"type":22,"marks":1724},"Account transfer or closing fees",[1725],{"type":129,"attrs":1726},{"color":773},{"type":764,"attrs":1728,"content":1729},{"level":766,"textAlign":34},[1730],{"text":1731,"type":22,"marks":1732},"What is Empirical Wealth Management’s minimum account size?",[1733,1735],{"type":129,"attrs":1734},{"color":773},{"type":38},{"type":18,"attrs":1737,"content":1738},{"textAlign":34},[1739],{"text":1740,"type":22,"marks":1741},"Empirical Wealth Management is designed primarily for clients with substantial investable assets. ",[1742],{"type":129,"attrs":1743},{"color":773},{"type":18,"attrs":1745,"content":1746},{"textAlign":34},[1747],{"text":1748,"type":22,"marks":1749},"The firm generally requires a minimum of $3,000,000 to open and maintain an advisory relationship, though Empirical may waive this requirement at its discretion. ",[1750],{"type":129,"attrs":1751},{"color":773},{"type":18,"attrs":1753,"content":1754},{"textAlign":34},[1755],{"text":1756,"type":22,"marks":1757},"Empirical’s minimums place it in the traditional high-net-worth advisory category, in contrast to digital platforms with lower entry requirements. 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instead, assets are held by qualified custodians such as Charles Schwab, an SEC-registered broker-dealer and SIPC member responsible for custody, clearing and execution. ",[1946],{"type":129,"attrs":1947},{"color":773},{"type":18,"attrs":1949,"content":1950},{"textAlign":34},[1951],{"text":1952,"type":22,"marks":1953},"Clients receive statements directly from the custodian at least quarterly and are encouraged to compare them with Empirical’s reports. ",[1954],{"type":129,"attrs":1955},{"color":773},{"type":18,"attrs":1957,"content":1958},{"textAlign":34},[1959],{"text":1960,"type":22,"marks":1961},"Empirical is also an SEC-registered investment advisor, meaning it must follow fiduciary standards and comply with regulatory requirements designed to protect investors, including acting in clients’ best interests and maintaining oversight and disclosure processes. ",[1962],{"type":129,"attrs":1963},{"color":773},{"type":18,"attrs":1965,"content":1966},{"textAlign":34},[1967],{"text":1968,"type":22,"marks":1969},"The firm additionally acknowledges cybersecurity risks and states that it maintains protective measures to reduce unauthorized access, data compromise, or operational disruptions, while noting that interconnected financial systems inherently carry some level of cyber risk. ",[1970],{"type":129,"attrs":1971},{"color":773},{"type":18,"attrs":1973,"content":1974},{"textAlign":34},[1975],{"text":1976,"type":22,"marks":1977},"While no financial system is entirely risk-free, Empirical’s custodial structure, fiduciary obligations and internal security practices align with the safeguards commonly used by regulated advisory firms.",[1978],{"type":129,"attrs":1979},{"color":773},{"type":764,"attrs":1981,"content":1982},{"level":766,"textAlign":34},[1983],{"text":1984,"type":22,"marks":1985},"Empirical Wealth Management: Customer service",[1986,1988],{"type":129,"attrs":1987},{"color":773},{"type":38},{"type":18,"attrs":1990,"content":1991},{"textAlign":34},[1992],{"text":1993,"type":22,"marks":1994},"Empirical Wealth Management provides advisor-led customer service, with clients primarily interacting directly with financial advisors, portfolio managers, and support staff rather than automated or chat-based systems.",[1995],{"type":129,"attrs":1996},{"color":773},{"type":18,"attrs":1998,"content":1999},{"textAlign":34},[2000],{"text":2001,"type":22,"marks":2002},"Clients receive ongoing access to their advisory team through phone, email and scheduled meetings, which may include financial planning reviews, investment updates and tax-related discussions. ",[2003],{"type":129,"attrs":2004},{"color":773},{"type":18,"attrs":2006,"content":2007},{"textAlign":34},[2008],{"text":2009,"type":22,"marks":2010},"The firm also delivers quarterly written reports that summarize portfolio performance and strategy updates, and advisors review accounts at least quarterly or as needed when changes occur. ",[2011],{"type":129,"attrs":2012},{"color":773},{"type":764,"attrs":2014,"content":2015},{"level":766,"textAlign":34},[2016],{"text":2017,"type":22,"marks":2018},"Empirical Wealth Management: Mobile app",[2019,2021],{"type":129,"attrs":2020},{"color":773},{"type":38},{"type":18,"attrs":2023,"content":2024},{"textAlign":34},[2025],{"text":2026,"type":22,"marks":2027},"The Empirical Wealth Management app gives clients a simple way to view their complete financial picture and stay connected with their advisory team. 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