Neil A. Rue, CFA Investment Advisor

The firm provides fee‑only investment and wealth management to individuals and families, generally working with clients who have at least $500,000 and typically $1,000,000 or more in financial assets; advisory services include portfolio construction, retirement planning, college saving, charitable giving and tax‑loss harvesting. It works with a small client roster and does not custody client assets, instead operating within clients’ existing brokerage or custodian relationships.

The firm describes its investment model as non‑discretionary: investment recommendations are discussed and approved by clients before trades are executed, and the adviser will only act when clients have delegated execution or consented to specific transactions. Its investment process emphasizes strategic asset allocation implemented primarily with low‑cost index funds, routine rebalancing to manage risk, and a focus on minimizing fund expenses, transaction costs and taxes.

Compared with many peers, the firm’s primarily non‑discretionary model is notable—most independent advisers operate with greater discretion—and its fee practice is unusual in that it will not begin billing advisory fees until cumulative portfolio gains and income from inception are sufficient to cover those fees. The adviser draws on a long institutional investment consulting background, follows the CFA Institute Code of Ethics, and reports no other business affiliations, soft‑dollar arrangements, or custody relationships.