Wealth Architects, LLC is an independent registered investment advisor founded in 2005 by Mark T. Johnsen and Lois Cole. The firm specializes in comprehensive wealth management, planning, and consulting services for individuals, trusts, estates, retirement plans, and charitable organizations. Wealth management services are tailored to each client's financial circumstances and investment objectives, with a focus on long-term investment strategies. The firm's investment analysis is based on modern portfolio theory, and clients have the option to impose restrictions on investing in certain securities. Wealth Architects charges an annual wealth management fee based on the market value of assets under management, ranging from 0.30% to 0.85%, with a minimum annual fee of $10,000. The firm also offers wealth planning and consulting services on an hourly or fixed fee basis, ranging from $2,500 to $20,000 for fixed fees and $150 to $500 per hour. The firm acts as a fiduciary under ERISA for retirement plans, ensuring investment advice is in the best interests of clients. Clients have investment discretion, allowing the firm to buy, sell, and allocate securities on their behalf. Wealth Architects recommends using custodians such as Charles Schwab, Fidelity, or Cantor Fitzgerald, and clients receive account statements directly from the custodian. The firm has no disciplinary history and undergoes an annual surprise exam by an independent accountant to ensure compliance with custody regulations. Wealth Architects does not pay referral fees and does not have custody of client assets beyond limited power of attorney for investment management.

Waverley Wealth Management, LLC, based in Mountain View, California, has been providing investment advisory services since 2011. The firm, founded by Martin Bicker, offers comprehensive portfolio management services tailored to individual clients' financial goals and risk tolerance. As a fiduciary, Waverley Wealth Management is committed to acting in the best interests of its clients. The firm requires a minimum account balance of $500,000 for its services, with fees ranging from 0.50% to 1.00% based on assets under management. Clients' assets are held at Charles Schwab & Co., Inc., the recommended custodian, with trades executed by Schwab to minimize costs. The firm employs fundamental and technical analysis in its investment strategies, focusing on long-term and short-term purchases. Clients receive quarterly performance reports and have the option to grant investment discretion to the firm. Waverley Wealth Management does not charge performance-based fees, accepts investment discretion, and does not vote on client securities. The firm does not have any disciplinary events and does not receive soft dollars or referral fees.