Houston, TX Morningside Dr. Office

Refined Wealth LLC is a fee-only, independent investment adviser that serves individuals and high‑net‑worth individuals with discretionary investment management and financial planning. The firm provides continuous portfolio management, project‑based and ongoing financial planning, and coordination with outside professionals and third‑party managers as needed.

The firm’s investment approach emphasizes asset allocation and diversification consistent with modern portfolio theory, with a preference for passive vehicles such as index funds and ETFs and the use of model portfolios available through the Altruist Model Marketplace. Portfolios are managed on a discretionary basis, allow reasonable client‑imposed restrictions, and exclude alternative investments and performance‑based fee arrangements.

Noteworthy aspects include the firm’s recent start‑up profile with sub‑million assets under management and an explicit recommendation that clients use a single institutional custodian (Altruist), which the brochure notes provides integrated platform services and model access. The firm also discloses that its principal operates a separate investment‑education media business (conducted outside advisory hours and representing a small share of income) and that it does not aggregate client trades for block execution nor produce independent performance reports beyond custodian statements.