Allora Wealth, LLC

The firm provides fiduciary-based financial advice to individuals, couples, high-net-worth clients, families, trusts and small business owners, centering its practice on an ongoing, bundled relationship that combines discretionary investment management with continuous financial planning. It also offers stand‑alone or project-based financial planning and consulting on an hourly or flat-fee basis, but does not offer portfolio management as a separate-only service.

Investment decisions are guided by Modern Portfolio Theory and implemented primarily through passive strategies using index mutual funds and ETFs, with asset-allocation targets, periodic rebalancing, and the option to use custodial web-based platforms that support features such as automated rebalancing and tax-loss harvesting. Accounts are managed on a discretionary basis under client-specific investment policy statements, and the firm will accommodate reasonable client-imposed restrictions on securities or sectors.

Distinctive operational features noted in the brochure include a blended tiered fee model with explicit minimums and separate onboarding charges, a requirement that clients custody assets with the firm’s recommended custodians (Charles Schwab or Altruist) rather than permitting directed brokerage, and a practice of executing trades on an individual-account basis rather than aggregating block trades. The firm’s disclosure also highlights limited succession planning: its business continuity plan states that continuation of the business would be determined if key personnel become unable to work and that dissolution is a possible outcome in certain events.