Complete Advisors

Complete Advisors serves individual investors, trust and estate clients, qualified retirement plans, and small businesses with fee-based, discretionary portfolio management, financial planning, and non-investment business consulting. The firm manages a relatively concentrated set of client relationships—holding roughly $84 million in advisory assets across a small number of accounts—and also offers plan-level services as either a limited-scope or full-scope fiduciary for retirement plans.

The firm emphasizes a strategic, long-term approach to portfolio construction and rebalancing rather than short-term market timing, tailoring discretionary portfolios to client objectives and using mutual funds, ETFs and separate accounts selected for tracking error and cost. Complete Advisors often implements strategies through third-party managed account programs and unaffiliated money managers, monitors positions for tax-harvesting and risk reasons, and generally holds securities for at least a year.

Compared with many peers, Complete Advisors combines traditional wealth management with dedicated retirement-plan fiduciary services (including 3(38) arrangements) and explicit business-consulting offerings such as valuations and operational advice, plus financial planning that uses Monte Carlo analysis and outside Social Security/Medicare specialists. The firm also discloses that an owner is licensed to sell insurance products (limited time commitment), may recommend a specific custodian and model programs that limit trade aggregation, and charges fixed-fee engagements for planning and business projects.