Lach Financial

The firm provides financial planning and portfolio management for individual investors and trusts through ongoing discretionary planning and shorter hourly engagements. Ongoing clients receive a custom Investment Policy Statement and implementation services, and the firm typically applies an asset-based fee schedule with a stated $400,000 minimum for ongoing management that may be waived.

The firm follows a passive, evidence-based investment approach that relies on historical asset-class data and peer‑reviewed academic research, implementing diversified portfolios primarily with no-load mutual funds and ETFs and making extensive use of Dimensional Fund Advisors’ products and research. For discretionary clients the firm monitors accounts, rebalances as needed, and operates under limited power of attorney to place trades and deduct fees as outlined in client agreements.

Compared with many solo independent advisers, the firm’s sole advisor holds advanced academic and professional credentials (Ph.D., CFA, CFP) and maintains an active academic and publishing profile, including consulting on textbook material, serving as an expert witness, and contributing to a national financial publication. The firm issues written client communications and custodian reports on a monthly or quarterly basis, and it does not aggregate orders across clients while often recommending custodians that provide research and practice-support services.