Two Tree Financial, Llc

Two Tree Financial provides fee-only advisory services to individuals, families, business owners and sponsors of employer-sponsored retirement plans. The firm offers discretionary investment management, an ongoing “Architecture” planning engagement (including a Blueprint design), one-time fixed-fee projects, pension consulting for plan sponsors, and educational seminars and speaking engagements.

The firm’s investment approach emphasizes long-term, evidence-based and factor-oriented allocations implemented with low-cost funds (including Dimensional fund strategies), ETFs, direct indexing where appropriate, tax-aware implementation and periodic rebalancing. It documents suitability for registered alternative investments, selectively uses registered closed-end interval funds (for example, certain Eagle Point funds), and continues to advise on legacy private investments while managing certain non-custodied positions under a Limited Power of Attorney with cross-billing to a custodial account.

Noteworthy operational and compliance features include written policies for testimonials and performance advertising under the Marketing Rule (the firm discloses and documents any use and previously entered but did not use a promoter agreement), delivery of educational seminars, and a disclosed acquisition arrangement in which the firm pays an earn-out to a prior business that transferred client relationships — a conflict the firm describes and monitors through its compliance program. The firm also uses Standing Letters of Authorization for transfers, maintains a surety bond, and separates planning fees (the Architectural retainer/Blueprint) from asset-based investment fees.