Fee-only advice.Tax-aware plans.
Building wealth takes decades; keeping it through retirement, a business sale and changing tax law takes a coordinated plan. Larkfield Wealth Partners is a 100% fee-only fiduciary firm in Madison, and it sits only on your side of the table.
- Location
- Madison, Wisconsin
- Weekday hours
- 9:00 AM to 6:00 PM
- Compensation
- Fee-only, no commissions
01 · Services
Financial planning and investment advice
Retirement projections, tax-efficient portfolio design, equity compensation modelling and legacy coordination, through ongoing wealth management or a standalone flat-fee plan. Every fee is disclosed in writing, and nothing on this website completes a booking.
01.1 · Fee index
- 01Comprehensive financial & retirement plan$3,200 flat fee
- 02Tax-aware investing & equity compensation$2,400
- 03Retirement income & Social Security strategy$1,950
- 04Ongoing wealth & portfolio management0.75%–0.95% AUM
- 05Estate, trust & charitable giving$1,650 standalone
- 06Business owner pre-exit advisoryfrom $3,800
02 · Approach
A legal fiduciary duty on every account, every recommendation, every day.
Brokerage representatives often switch hats between advisory accounts and commission-paying products. Larkfield Wealth Partners is an independent Registered Investment Advisor held to a fiduciary standard at all times: it sells no proprietary funds, annuities or insurance policies, and your assets stay in your own name at an independent institutional custodian. How the firm works.
02.1 · Three steps
From a discovery call to a written blueprint
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01
Discovery call
What prompted the call is discussed: an upcoming retirement, equity vesting, an inheritance or an outgrown brokerage set-up. Both sides confirm the fit.
Complimentary, 30 minutes
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02
Scope and fee proposal
An itemised proposal shows the exact flat planning fee or tiered asset-based schedule in dollars.
Before any agreement is signed
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03
Blueprint and implementation
The plan is finalised, custodial transfers are made in kind with taxes in mind, and a calm review rhythm is set.
Then twice a year
02.2 · What one engagement contains
- 01 Scope
- A written statement of what the service covers, what it excludes and which published fee applies to it.
- 02 Inputs
- The statements needed, listed once at the start. Nothing further is requested unless the scope changes and is requoted.
- 03 Handoff
- The written plan, a one-page net-worth summary, the assumptions it rests on and the range of outcomes each scenario produced.
- 04 Next step
- One named decision and the date it is due for review. Where nothing needs to change, the record says so instead.
03 · Gallery
Inside the advisory offices and planning rooms
04 · Staff
Your CFP®, CFA® and CPA/PFS advisory team
04.1 · Managing principal
Eleanor Marsh
CFP®, CPWA® · Managing principal & senior wealth adviser
Eleanor Marsh holds the CFP® and CPWA® designations and has 17 years of experience guiding retirees, executives and business owners through fee-only wealth transitions. She leads retirement income design and business-owner liquidity planning.
04.2 · Chief investment officer
Priya Raman
CFA® · Chief investment officer & portfolio strategist
Priya Raman is a Chartered Financial Analyst who directs evidence-based asset allocation, municipal and Treasury bond ladders and tax-loss harvesting across every discretionary account.
04.3 · Tax & retirement planning
Daniel Okafor
CPA/PFS, CFP® · Senior tax & retirement planning adviser
Daniel Okafor is a dual-credentialed CPA/PFS and CFP® adviser who specialises in multi-year Roth conversions, RSU and ISO equity taxation and the order in which retirement accounts are drawn down.
04.4 · Client operations & estate
Thomas Reyes
CFP® · Director of client operations & estate coordination
Thomas Reyes is a CFP® professional who oversees custodial onboarding, trust titling audits and Qualified Charitable Distributions, and keeps client care responsive between reviews.
05 · Reviews
Reflections from long-term advisory families
01
Before retiring from medical practice, we had six scattered 403(b), IRA and brokerage accounts at two big-name firms, paying over 1.4% in layered fund fees without a real tax plan. Eleanor and Daniel consolidated everything cleanly, cut our underlying fund costs, mapped a six-year Roth conversion window before age 73 and automated our monthly retirement deposit, so market headlines no longer keep us awake.
Dr. Richard & Elaine W.
- Written
02
Our previous bank adviser kept pitching structured notes and variable annuities we did not understand. Moving to Larkfield Wealth Partners was a breath of fresh air: transparent low-cost institutional ETFs, tax-loss harvesting during last autumn's market dip and two thoughtful planning reviews a year that keep our children's 529s and our retirement on track. Seeing the fee in plain dollars gives us real peace of mind.
Lucas & Jenna M.
- Written
03
Over seventy per cent of our household net worth had quietly built up in my employer's stock, and I froze at every trading window because I was not sure how AMT and capital gains interacted. Daniel Okafor built an exact share-lot divestment calendar alongside our CPA and paired charitable stock gifts into a Donor-Advised Fund. Four years of vested RSUs and ISOs are now diversified, with no surprise April tax bill.
Sanjay K., VP of Engineering
- Written
04
When a regional buyer approached our distribution business, I had no idea whether the offer would truly fund thirty years of retirement for my wife and me. Eleanor Marsh modelled three deal structures side by side with our M&A attorney, helped us set up a Cash Balance plan before closing and deployed the proceeds calmly through a phased Treasury ladder. Knowing our after-tax number six months early changed how we negotiated.
Terrence B., business owner
- Written
05
We enjoy managing our own index funds for now, but wanted an objective CFP® second opinion five years out from early retirement. We hired the firm for a thorough flat-fee blueprint with no pressure to hand over accounts. They stress-tested our healthcare bridge before Medicare, caught an outdated beneficiary designation on an old rollover IRA and handed us a crystal-clear action checklist with no sales pitch.
Monica & Paul D.
- Written
06
My late husband had always handled our investments, and suddenly facing custodial paperwork and tax deadlines felt overwhelming. Thomas and Priya sat beside me at every step with extraordinary patience, coordinated directly with my estate attorney to update the trust registrations and set up Qualified Charitable Distributions to the local nonprofits we support. Every account, RMD and trust title is now in order.
Helen R.
- Written
06 · Questions
Common questions about fee-only wealth management
Plain answers on how the firm is paid, where client money is held and who a fiduciary relationship suits. No adviser can promise an investment result, and none of these answers does.
06.1 · Answers
01 What does “100% fee-only fiduciary” mean in plain English?
Two things. As a Registered Investment Advisor, the firm has an ongoing legal duty to put your financial interest ahead of its own on every account, retirement and taxable alike. And “fee-only” means it never accepts commissions, revenue sharing or referral fees from fund companies, insurers or brokers. Its only compensation is the fee you agree to in writing.
02 Where is my money held if I hire the firm?
Not with the firm. Your accounts stay titled in your own name, or your trust's, at an independent, SIPC-member institutional custodian. You keep direct online access and receive monthly statements from the custodian itself; the firm's authority is limited to placing agreed trades, rebalancing and moving money to your own linked bank accounts.
03 Is there an investable asset minimum?
For ongoing wealth and portfolio management, most families hold $500,000 or more in investable assets, so the tiered schedule stays cost-effective. The standalone flat-fee financial plan and equity compensation engagements carry no asset minimum, so rising professionals and do-it-yourself investors can still have fiduciary CFP® advice.
04 Would moving my accounts trigger large capital-gains taxes?
Not if it is done carefully, and the firm never liquidates a taxable portfolio blindly. Existing holdings transfer “in kind” to the new custodian without a taxable sale. The CFA® and CPA/PFS team then reviews unrealised gains lot by lot, keeps tax-efficient positions where sensible, offsets gains with losses and moves out of high-fee legacy funds gradually across tax years.
05 Can I hire the firm for a one-time plan only?
Yes. Many clients start with the flat-fee comprehensive plan or a standalone retirement income plan. You receive the full analysis and a written implementation checklist with no obligation to move into ongoing management. If you later ask the firm to manage implementation within six months, half the planning fee is credited towards the first year.
06 What goes inside client portfolios?
Transparent, liquid holdings: low-expense institutional ETFs, index funds and individual U.S. Treasury or investment-grade municipal bond ladders. Client capital is never locked into non-traded REITs, opaque private placements or annuities with heavy surrender charges. No portfolio can promise a particular result: investing involves risk, including the possible loss of principal, and past performance does not guarantee future results.
07 · Contact
Schedule a discovery conversation
The complimentary 30-minute call starts with the two or three financial questions on your mind; no statements are needed. Enquiries are answered by email or telephone during office hours, and a time is confirmed only once it has been agreed in writing.