Radical Transparency. Absolute Alignment.
No hidden commissions, no confusing performance percentages, and no corporate conflicts of interest. Just clear pricing designed around your needs.
The Lake Avenue Philosophy
Traditional Wall Street profits when you are confused about what you are paying for. Hidden product fees and layered percentages can quietly erode your hard-earned wealth.
At Lake Avenue Financial, we believe true white-glove service begins with absolute honesty. We operate as a strict, fee-only fiduciary. This means we are legally bound to put your interests first 100% of the time.
We do not sell proprietary financial products, and we receive zero back-end commissions. Our only source of compensation is a transparent fee, aligning our success perfectly with yours.
It is our view that the best advice is delivered by real people, held to the fiduciary standard, who aren’t beholden to external corporate interests.
In fact, Vanguard’s report shows client returns can improve as much as 3% more each year when working with an independent advisor.
Their research shows that the true value of an advisor isn't stock-picking, it is structural and behavioral alpha: optimizing asset location, systematic rebalancing, disciplined spending order, and preventing costly market-timing mistakes, which can add significant net value over a lifetime of compounding.
Compare Our Services
Core Portfolio Management
Professional investment management. Built around your life.
Whether you are just starting to build wealth or looking for a trusted partner to manage what you have already built, Core Portfolio Management gives you direct access to our professional advisory team, a personalized investment strategy, and our modern platform that keeps you informed and in control, without the complexity of managing it yourself.
0.84% advisory fee
What’s included:
Personalized portfolio construction
Commission-free trades
Fractional share investing
Automated portfolio rebalancing
Custom model portfolios
Tax-loss harvesting
Continuous tax sensitivity
Annual investment review
Performance reporting
Client web and mobile app
Free High-Yield Cash account at 3.45% APY*
Direct access and support from humans
Blueprint
A complete financial plan for the years that matter most.
You have worked hard to build what you have. But the more complex your financial life becomes — equity comp, taxes, real estate, retirement, estate planning — the more it demands a professional to hold it all together. Blueprint is a complete financial planning relationship built around your life.
$5,000 /year
Everything in Core, plus:
A written financial plan built around your life
Real-time picture of everything you own and everything you owe
Your biggest life goals turned into a specific plan with a timeline and a number
A clear map of where your money goes and where it could be working harder
RSUs, NSOs, ISOs and company stock managed without a tax surprise
We calculate the number that makes work optional, then build the path to get there
Direct indexing for greater tax control
Will, trust, beneficiaries, and documents fully coordinated
Revocable living trust established to help your estate avoid probate
Property titles transferred into your trust****
Power of attorney in place before you ever need it
Planning for college, a home, business or a second property
A multi-year tax strategy across your income, investments, equity comp, and retirement accounts
Structured sell-to-diversify plan at the right pace
Cash set aside so a big tax bill never catches you off guard
401(k), IRA, and taxable accounts coordinated to minimize taxes together
The right investments in the right accounts — keep more of what you earn
Backdoor and Mega-Backdoor Roth handled start to finish
Money you'll need in 1–3 years protected from market swings
Every employer benefit reviewed and optimized for your situation
Uninvested cash always working, never sitting idle
Low-cost credit line secured by your portfolio, no need to sell investments
Ongoing oversight so nothing falls through the cracks
Discounted fee of 0.40% on managed assets**
Personal CFO
For the people who have outgrown their advisor.
At a certain level of wealth and complexity, a traditional advisor relationship stops being enough. Your portfolio is one piece of a much larger picture — one that includes your business, your equity, your taxes, your estate, your family, and the professionals who each manage a part of it. You don’t need another advisor. You need someone running the whole thing. (By invitation only)
$15,000+ /year
Everything in Blueprint, plus:
Your CPA, estate attorney, and other advisors coordinated — one plan, everyone aligned
One point of accountability for your entire financial life
Complex decisions translated into clear recommendations
Written summary after every major decision
Custom direct indexing — more flexible than any ETF
Access to private equity, private credit, and real estate funds
Pre-IPO and private market opportunities
Structured strategy to reduce single-stock concentration without a large tax event
Exit planning starting 1–5 years before you sell
Pre- and post-liquidity event structuring to protect the outcome
Buy-sell agreement reviewed and funding coordinated
Retirement and tax structure optimized for the self-employed
Guidance on what to do with proceeds after a major liquidity event
Every asset verified to be titled correctly — before it becomes your family's problem
Liability and creditor exposure reviewed and reduced
Objective insurance review — not by someone earning a commission on the recommendation
Generational plan designed to benefit your children and grandchildren
Heirs prepared financially and practically to receive significant wealth
Charitable giving structured for maximum impact and tax efficiency
Donor-advised funds — contribute now, deduct immediately, grant over time
Retirement drawdown strategy — right accounts, right order, minimized taxes
Same-day direct access to your lead advisor — no call centers
Discounted fee of 0.30% on managed assets**
Here’s what our clients are saying.
Are you ready to invest in yourself?
* The Annual Percentage Yield (“APY”) for the Altruist High-Yield Cash accounts (“Altruist High-Yield Cash”) is variable and may change at any time. The amount of interest you will receive on your deposits will vary based on a number of factors. Accrued interest is paid on the last business day of the month directly into the High-Yield Cash account. View the disclosures to learn more.
** Professional Investment Management is optional and an additional fee of 0.40% for the Blueprint tier and 0.30% for the Personal CFO tier.
*** The chart assumes the hypothetical growth of $100,000 over 30 years with annualized returns of 5% and 8% with no additional cash deposits or withdrawals. The returns and this chart are for illustrative purposes only and do not represent actual investment returns, trading activity, or performance. The increase of 3% may be achievable by investment advisors who implement best practices and strategies for serving their clients. Specifically: suitable asset allocation using broadly diversified funds / ETFs, cost-effective implementation (expense ratios), rebalancing, behavioral coaching, asset location (allocation of assets between taxable and tax-advantaged accounts), spending strategy (withdrawal order), total-returns versus income investing. Source: Vanguard Advisor's Alpha 2025
**** We will assist with the deed transfer for real property, but there are additional one time charges for each property filing.