Independent Registered Investment Practice

One portfolio. Four asset classes. A single point of accountability.

Vanguard Affiliate manages equities, fixed income, digital assets, and currency positions as one coordinated strategy — built around your time horizon, tax situation, and tolerance for drawdown, not around which product a given advisor happens to sell.

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$1.8BAssets under advisement

2,140Households served

0.65%Blended advisory fee, avg.

14CFA / CFP charterholders

STOCKS&P 5005,912.44▲ +0.62%

STOCKNASDAQ19,340.11▲ +0.88%

BONDUS 10Y Yield4.21%▼ -0.03%

BONDAggregate Bond Idx101.62▲ +0.11%

CRYPTOBTC/USD104,230▲ +2.14%

CRYPTOETH/USD3,842▲ +1.47%

FOREXEUR/USD1.0862▼ -0.18%

FOREXUSD/JPY152.34▲ +0.24%

STOCKDow Jones42,118.7▲ +0.41%

BONDMunicipal Bond Idx98.77▲ +0.06%

CRYPTOSOL/USD241.9▲ +3.62%

FOREXGBP/USD1.2705▲ +0.09%

STOCKS&P 5005,912.44▲ +0.62%

STOCKNASDAQ19,340.11▲ +0.88%

BONDUS 10Y Yield4.21%▼ -0.03%

BONDAggregate Bond Idx101.62▲ +0.11%

CRYPTOBTC/USD104,230▲ +2.14%

CRYPTOETH/USD3,842▲ +1.47%

FOREXEUR/USD1.0862▼ -0.18%

FOREXUSD/JPY152.34▲ +0.24%

STOCKDow Jones42,118.7▲ +0.41%

BONDMunicipal Bond Idx98.77▲ +0.06%

CRYPTOSOL/USD241.9▲ +3.62%

FOREXGBP/USD1.2705▲ +0.09%

What We Manage

Four asset classes, one investment committee

Most households end up with a 401(k) advisor, a separate crypto wallet, a forex app, and a bond ladder nobody is actively watching. We fold all four into a single mandate with one risk budget and one rebalancing calendar.

Equities

Stocks

Core-satellite equity portfolios built from low-cost index exposure plus a screened satellite sleeve for individual conviction positions.

Fixed Income

Bonds

Laddered Treasuries, investment-grade corporates, and municipal bonds sized to your tax bracket and liquidity needs.

Digital Assets

Crypto

A capped, risk-budgeted allocation to BTC, ETH, and select large-cap digital assets, custodied through regulated third-party custodians.

Currency Markets

Forex

Tactical currency overlays for households with cross-border income, property, or business exposure — hedged, not speculative by default.

Always-On Coverage

Markets don't sleep. Neither does our monitoring.

Stocks, bonds, crypto, and forex trade across overlapping global sessions around the clock. Your allocation is watched continuously, not just when U.S. markets are open.

19 yrsAverage client relationship tenure

4Asset classes under one mandate

92%Client retention, trailing 5 years

24/7Portfolio monitoring & alerts

How We Work

A process built for people who already have a portfolio, just not a plan

Most clients don't arrive with a blank slate — they arrive with a 401(k), a brokerage account, a wallet, and a spreadsheet they've stopped updating. Our first job is consolidation: understanding what you actually own before we recommend what you should own next.

Meet the Investment Committee

Discovery & consolidation

We map every holding — brokerage, retirement, wallet, and currency — into one household balance sheet.

Risk & goal modeling

We stress-test your plan against inflation, market drawdowns, and a 30–40% digital asset correction scenario.

Portfolio construction

Target allocations are set across all four asset classes with explicit rebalancing bands and tax-lot rules.

Ongoing management

Quarterly rebalancing, tax-loss harvesting, and a standing review meeting twice a year, or on demand.

Advisor reviewing a household financial plan

Client Perspective

What it's like to consolidate everything under one plan

"I had a 401(k), a Coinbase account, and a currency account from when we lived abroad. Nobody would look at all three together until we found Vanguard Affiliate."

R. Adeyemi

Client since 2021

"The quarterly rebalancing alone paid for the advisory fee twice over during the 2024 pullback. I never had to make the sell decision myself."

T. Whitfield

Client since 2019

"We used the HELOC strategy team to fund a renovation without disturbing our equity position mid-cycle. That coordination is the whole point."

M. & S. Park

Clients since 2022

Before & After

What changes when everything sits under one plan

Managing it yourself

✕ A 401(k) advisor who has never seen your brokerage account
✕ A crypto wallet nobody is rebalancing or capping
✕ A bond ladder built once in 2021 and never revisited
✕ Selling stock in a down year to cover a cash need
✕ No single person accountable for the whole picture

With Vanguard Affiliate

✓ One Investment Policy Statement covering every account
✓ Digital assets capped and rebalanced on a fixed schedule
✓ Bond ladders reviewed and adjusted against the rate cycle
✓ A standing HELOC strategy for planned liquidity needs
✓ One advisor, one fee, one plan you can actually see

Common Questions

Before you book a call

Do I need to move all my accounts to work with you?

No. Some clients consolidate everything; others keep certain accounts elsewhere and have us manage the rest against the same Investment Policy Statement. We'll tell you plainly if a partial arrangement limits how well we can manage risk across the whole picture.

What if I already have a financial advisor?

Many clients come to us for a second opinion first. We can review your existing allocation and tell you where it's exposed before you decide whether to move anything.

How is my digital asset custody handled?

Through regulated third-party custodians. Vanguard Affiliate never takes direct custody of client crypto or private keys.

Is there a minimum to get started?

Our Core Plan generally starts at $250,000 in investable assets. If you're below that today, we're happy to talk about what a plan could look like once you get there.

Can I cancel at any time?

Yes. Advisory agreements are cancellable with 30 days' written notice and no penalty.