Wealth management for the long horizon.
Tovren Capital is an independent, fee-only advisor for families, business owners and people nearing retirement. One team manages your investments, coordinates your taxes and keeps your plan current.
Fiduciary, always
We are legally bound to put your interests first, on every recommendation we make.
One clear fee
A single annual fee based on the assets we manage. No commissions and no products to sell.
Your accounts stay yours
Your assets are held in your name at an independent custodian. We can manage them; we can't withdraw them.
What we do
Most of our clients came to us with accounts spread across four or five places and no one looking at the whole picture. We start there.
See our services-
Investment management
Diversified portfolios built around your goals and rebalanced as markets move, with every trade explained.
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Financial planning
A written plan for retirement, education and major purchases, updated whenever your life changes.
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Tax-aware investing
Asset location, loss harvesting and withdrawal order, coordinated with your accountant each year.
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Retirement and estate coordination
Income plans, Social Security timing and beneficiary reviews, so the people you care about are covered.
How we work
Three steps from a first conversation to a plan we manage together.
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A first conversation
Forty-five minutes, at no cost, to understand where you are and what you want your money to do.
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Your written plan
Within three weeks we deliver a plan with clear recommendations and our fee, in writing.
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Ongoing management
We manage your accounts day to day and meet with you twice a year, or whenever something changes.
Recent insights
All insights-
Five questions to answer before you retire early
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Roth conversions in a low-income year
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Why we rebalance on a schedule and not on headlines