Caliber Wealth Advisory

Caliber Wealth Advisory is a fee-only independent investment adviser that serves individuals, high‑net‑worth clients, and employer plan sponsors. The firm provides discretionary investment management, comprehensive financial planning on an ongoing subscription basis, and retirement plan consulting for sponsors and participant‑directed plans; fees are typically assessed as a percentage of assets under management.

The firm’s investment approach centers on passive, asset‑class portfolios built with index mutual funds and ETFs for diversification, low internal expenses, and relative tax efficiency, while also drawing on fundamental, technical, cyclical, and charting analyses when evaluating securities or outside managers. Caliber may engage third‑party managers (TAMPs) and generally manages accounts on a discretionary basis with custodial relationships through Charles Schwab Institutional.

What is noteworthy for a solo independent adviser is the firm’s active work with institutional clients and retirement plans, including serving in fiduciary capacities (3(21)/3(38)) and providing ongoing plan monitoring and participant education—services that fewer firms of this size offer. The firm operates with a relatively small client roster and multi‑million dollar AUM, maintains a $500,000 account minimum, and is led by a CFP® certificant with extended prior industry experience and continuing non‑investment public service activity, factors that inform its service model and client focus.