Titanium Advisors, LLC

Titanium Advisors is a fee‑only, SEC‑registered independent investment adviser that serves individuals (including high‑net‑worth clients), pension and profit‑sharing plans, foundations, charitable organizations and business entities. The firm provides financial planning, investment consultation, and discretionary portfolio management on either a one‑time or ongoing basis, and also offers qualified plan advisory services under ERISA.

The adviser generally employs a long‑term, passive, tax‑aware asset allocation approach using broadly diversified mutual funds and ETFs—explicitly including institutional products such as those from Dimensional and Vanguard—and uses modeling tools (e.g., Monte Carlo) to align portfolios with client objectives and risk tolerance. Accounts are typically managed on a discretionary basis; the firm also monitors held‑away accounts (such as 401(k)s) with read‑only electronic access and provides specific recommendations for those accounts.

Compared with many solo independent advisers, Titanium manages an unusually large amount of discretionary assets (about $169.7 million across roughly 48 clients) and provides institutional‑grade services by acting as an ERISA fiduciary and, in some engagements, exercising discretionary 3(38) authority for retirement plans. The firm has formal business‑continuity and succession arrangements with another wealth firm and applies institutional fund lineups and held‑away account monitoring practices that are less common among peers.