05 · About
Independent advice, transparent economics
In an industry crowded with confusing titles and hidden fund incentives, Larkfield Wealth Partners was built on one clear rule: an adviser should never profit from selling a client a financial product.
02 · Approach
What separates a fee-only fiduciary practice
Many firms advertise as “fee-based”, which still lets advisers collect commissions on insurance policies, annuities or proprietary mutual funds. Larkfield Wealth Partners is strictly fee-only: all of its compensation comes transparently from clients, which removes product-sales conflicts entirely.
The firm never takes physical custody of client money. Investment accounts stay titled in the client's own name, or their trust's, at a major SIPC-member independent institutional custodian, with direct online access, monthly independent statements and a strict line between advice and safekeeping.
Nobody consistently predicts short-term market headlines. Instead of chasing hot sectors or costly hedge-style products, the firm concentrates on what it can control: global diversification, low fund costs, disciplined rebalancing during volatility and proactive multi-year tax management. Investing still involves risk, including possible loss of principal.
03 · Principles
The firm's fiduciary commitments
Each one is a commitment a client can hold the firm to, not a statement of intent.
01
A written fiduciary pledge
The firm is willing to sign a plain-English fiduciary pledge confirming that it acts solely in the client's best financial interest at all times, on every account and every recommendation.
02
A tax return review every year
The team reviews each client's actual federal and state tax returns every year, so that investment moves never trigger preventable capital-gains bills or Medicare IRMAA surprises.
03
A capped number of families
Each lead CFP® adviser serves a deliberately limited number of families, so the firm knows each tax picture, family goal and estate wish thoroughly. Larkfield Wealth Partners does not promise a return, a retirement date or any other result.
04 · Process
How an advisory relationship begins
The same four steps for every engagement, whether a one-time plan or ongoing management.
01
Discovery call
A complimentary 30-minute call on what prompted the enquiry, such as retirement, equity vesting or an inheritance, to confirm a mutual fit.
02
Financial and tax diagnostic
A confidential meeting in the Madison office or by video to review existing portfolios, expense ratios, tax returns and key retirement questions.
03
Scope and fee proposal
An itemised proposal shows the flat fee or tiered schedule in dollars. Nothing is signed until both are agreed.
04
Blueprint and implementation
The plan is finalised, custodial transfers are made in kind with tax in mind, and a calm semi-annual review rhythm begins.
05 · Place and limits
Disclosure and engagement standards
An independent Registered Investment Advisor
Advisory services are offered only under a written advisory agreement and after delivery of the firm's Form ADV Part 2A brochure. While the CPA/PFS and CFP® team models tax and estate strategies proactively, legal document drafting and formal tax return filing are carried out with the client's own attorney and tax preparer. The firm has four advisers and a fixed weekday schedule, so around the end of the year a reply can take two working days rather than one, and it says so at the enquiry stage rather than accepting work it would deliver late.
06 · Contact
Start with a discovery call
An enquiry gets a straight answer about fit, capacity and timing before anything else is discussed.