Merrithew & Thorsten, Inc.

Merrithew & Thorsten serves individual and high‑net‑worth clients, with a particular emphasis on professionals within a few years of retirement or those facing major life transitions. The firm offers comprehensive financial planning and portfolio management alongside tax planning and tax preparation services, delivered on a fee‑only retainer and asset‑advisory basis.

The firm takes a holistic, integrated approach that blends investment allocation with tax, estate and insurance considerations, emphasizing after‑tax (net) returns and lower‑volatility portfolios rather than market timing. New clients typically spend the first year building a detailed plan with advisory oversight before the firm transitions most accounts to discretionary management; recommended investments generally focus on low‑cost, institutional mutual funds supplemented by select individual securities and alternative exposures when appropriate.

Distinctive features include in‑house tax capability—the firm’s principals are Enrolled Agents who provide tax preparation and planning and state they will represent clients before the IRS at no additional charge—and an explicit focus on tax‑sensitive implementation and tax‑aware rebalancing. The firm operates as a small, two‑advisor practice managing roughly $155 million for about 125 clients, a mix that corresponds with relatively high average account sizes and a stated $1 million advisory account guideline (subject to firm discretion).