Independent, Fee-Only Financial Advisors & Planners
We are fee-only fiduciary financial planners that specialize in comprehensive financial advice, including tax-aware investments, estate, and income strategies.
Fee-only: We do not accept outside commissions
Fiduciary: Legally required to act in your best interest
Comprehensive: Investments, tax, estate, and more
Fewer Than 2% of Financial Advisors Meet Our Standards
Fee-Only Fiduciary
13%
Legally required to act in your best interest and cannot accept commissions.
CFP® Certified
29%
Widely regarded as the gold standard credential in financial planning.
Comprehensive Advice
44%
Advice covering investments taxes, retirement, estate, insurance, and more.
Fee-Only + CFP® + Comprehensive
1.66%
A rare combination of objectivity, expertise, and full-scope wealth management.
Who We Serve
We work best with individuals and families who want more than portfolio management alone.
Households with $1M+ in investable assets
Retirees planning withdrawals and tax strategy
Professionals navigating multiple accounts and tax decisions
Families who want coordinate investments, planning, and tax strategy
Advice for the Decisions that Matter Most
High-net-worth planning is about more than picking investments. It’s about how your portfolio, taxes, protection, and retirement plan work together.
Portfolio Design
Thoughtful asset allocation, risk alignment, diversification, and ongoing portfolio discipline.
Tax Efficiency
Tax-aware investing, asset location, withdrawal coordination, and attention to avoidable tax drag.
Protection & Coordination
Insurance review, beneficiary alignment, estate coordination, and financial “hygiene” issues.
Retirement Income Planning
Distribution strategy, withdrawal timing, and a plan designed to make retirement cash flow more resilient.
Why Many Households Seek a Second Opinion
Even strong savers can have hidden planning gaps. We often speak with households who have done many things right, but still have one or more important areas left unaddressed.
Portfolios taking more risk than necessary — or not enough
Avoidable tax drag across taxable, IRA, and Roth accounts
Retirement withdrawal plans that haven’t been fully pressure-tested
Outdated beneficiary, trust, or estate coordination
An advisor relationship centered on products or investments, not full planning
What to Expect from an Introductory Call
Clarity on Your Goals
We walk through what matters most and confirm the outcomes you want to achieve.
Identify Opportunities
We discuss any obvious planning gaps or opportunities to enhance your plan.
Zero Sales Pressure
This is a collaborative conversation, not a commitment to work with us.
Led by Jason Su, CFP®
Founder & Principal Advisor
Jason brings more than 20 years of experience helping families navigate retirement transitions, tax-efficient income planning, portfolio strategy, and multi-generational wealth decisions. His background includes advisory and planning roles with Vanguard, USAA/Schwab, and Fidelity.
At Hartstone Wealth, clients work directly with their advisor in a relationship built around objective advice, comprehensive planning, and clear decision-making.
Schedule Your Call
Choose a date and time that works best for you using the calendar below.