Acertado Investments

The firm serves individuals, high‑net‑worth clients, and employer retirement plan sponsors, offering investment management, comprehensive financial planning (both project‑based and ongoing), and retirement plan consulting. It operates as a fee‑only independent adviser and provides discretionary portfolio management across stocks, bonds, mutual funds, ETFs and cash equivalents.

The adviser’s process emphasizes asset allocation and modern portfolio theory, combining passive and active strategies and fundamental and fund‑level analysis to select investments tailored to each client’s goals, risk tolerance, and tax considerations. Clients receive written financial plans when engaged for planning work, and investment accounts are reviewed on a regular basis with the ability to impose reasonable, written restrictions on holdings.

Distinctive features include retirement plan consulting to plan sponsors — with the firm serving in an ERISA fiduciary capacity and offering services such as investment policy development, fee analysis, participant education, and vendor searches — a capability that is relatively uncommon among solo independent advisers. The practice is recently established and led by an adviser with prior institutional and retirement‑plan experience; as of the brochure date the firm reported no assets under management, which may be relevant when assessing operational scale and track record.