Sugar Hill Advisors, LLC

Sugar Hill Advisors, LLC provides financial planning services to individuals, high-net-worth individuals, and charitable organizations and notes there is no asset minimum for its services. The firm’s financial planning engagements cover topics such as investments, insurance, tax considerations, retirement and college planning, debt/credit management, and estate planning, and typically conclude upon delivery of a written plan that clients implement on their own.

The firm’s investment recommendations emphasize diversified allocations using mutual funds and ETFs and may include fixed income, real estate funds (including REITs), annuities, equities, TIPS, and non-U.S. securities; its stated methods of analysis include fundamental analysis and modern portfolio theory and it recommends a long-term investing approach. Sugar Hill Advisors does not exercise investment discretion, does not trade or custody client accounts, and does not participate in wrap fee programs or recommend specific custodians.

Distinctive aspects of the firm include fee arrangements that depart from the common percentage-of-AUM model: it discloses a negotiated fixed fee range for financial plans ($2,500–$7,500) and an hourly rate for issue-based advice ($300 per hour), and it collects fees in advance with prorated refunds (returned within 14 days). The brochure also indicates the firm reports no assets under management and provides one-time plan delivery rather than ongoing portfolio management, which differentiates it from many investment-manager peers.