Daybreak Wealth, LLC

The firm is a state-registered, single-advisor independent practice that serves individuals, high-net-worth clients, and estates and trusts, offering ongoing wealth management and one-time financial planning engagements. Services typically include discretionary portfolio management, customized financial planning, and implementation support, with the option to convert one-time planning clients into ongoing management.

The adviser follows a primarily passive, long-term investment approach grounded in Modern Portfolio Theory, the Efficient Market Hypothesis, and the Fama–French three-factor model, building diversified portfolios using low-cost mutual funds and ETFs and selected fixed-income holdings. Portfolios are tailored to client goals and risk tolerance, with periodic rebalancing and the ability to impose client-directed investment restrictions.

What distinguishes this practice from many peers is its billing model: instead of the more common percentage-of-assets fee, the firm uses negotiated flat annual fees assessed quarterly within a tiered structure and applies credits when one-time planning clients move to ongoing management. The practice also manages a relatively large asset base across a small client roster and provides a few client-specific accommodations—such as managing certain child accounts up to a specified age under higher service tiers—that reflect a boutique, highly personalized service model.