Virgil Wealth Advisory

Virgil Wealth Advisory is an independent, state-registered investment adviser that works with individuals, high‑net‑worth clients, and small businesses to provide discretionary portfolio management and ongoing financial planning. Services include tailored investment policy development and implementation as well as comprehensive planning around retirement, estate, tax, cash flow, insurance, and college funding.

The firm primarily implements passive investment strategies using index mutual funds and exchange‑traded funds while supplementing its analysis with fundamental research when selecting securities or constructing allocations. Portfolios are managed according to client‑specific investment policy statements, with discretion to trade and regular (typically quarterly) account reviews; clients may impose reasonable investment restrictions and the firm does not participate in wrap fee programs.

Noteworthy operational features include the firm’s very small scale and limited client roster, and that the sole adviser maintains a significant outside business interest (an owner/operator role in a restaurant) that consumes roughly half of his time. The adviser also waives ongoing planning fees for clients who meet the firm’s AUM threshold, uses a digital custodial platform (Altruist), does not aggregate client trades, does not vote client proxies, and does not accept third‑party compensation or soft‑dollar arrangements.