Fiduciary Wealth Management for Naples, Florida

Stone Loft Wealth Management works with high-net-worth individuals and retirees across Southwest Florida — delivering fee-only, fiduciary financial planning with no commissions, no product sales, and institutional-grade investment strategy at one of the most competitive fee structures in the independent RIA market.

Why Naples Clients Choose a Fee-Only Fiduciary Advisor

Stone Loft is a Registered Investment Advisor — which means we are legally required to act in your interest at all times. That distinction matters more than most people realize. The majority of financial advisors in Naples operate under a suitability standard, meaning they can recommend products that are merely adequate for your situation, not necessarily optimal. As a fee-only fiduciary, we hold no commissions, no referral arrangements, and no incentive to recommend anything other than what serves your financial plan.

 

Our fee structure reflects that independence. We charge a straightforward tiered AUM fee — 0.30% on the first $5M, 0.20% above that, and 0.10% above $10M. These rates are aligned with Vanguard institutional pricing and are among the lowest available from an independent advisory firm. For clients who have spent decades accumulating wealth, the cost of advice should not quietly erode it.

 

Our advisors hold the CFP designation, verifiable through FINRA BrokerCheck, and bring direct experience from Vanguard — grounding our investment philosophy in low-cost, index-driven strategies that have consistently outperformed higher-fee alternatives over time.

Wealth Management Built for the Naples Market

Naples attracts a distinctive concentration of wealth — retired executives, business owners who have sold or transitioned their companies, heirs managing inherited portfolios, and high-earning professionals who relocated for the lifestyle and the tax environment. Each of these situations carries its own planning complexity, and generic advisory relationships rarely address them well.

 

We work with clients across all of these profiles. Our planning process covers the full picture:

 

  • Comprehensive financial planning aligned with retirement income needs and longevity risk
  • Estate planning coordination to minimize transfer costs and protect multi-generational wealth
  • Portfolio construction built on low-cost, diversified asset allocation — not proprietary products
  • Gifting and charitable planning strategies for clients who want their wealth to reflect their values
  • Executive compensation planning for clients with equity, deferred compensation, or stock option complexity
  • Lending solutions for clients who need liquidity without disrupting long-term investment positions

 

For clients navigating Florida's favorable estate and income tax environment, we help translate that advantage into a coherent long-term strategy — not just a change of address.

Serving Naples and Southwest Florida Remotely, Without Compromise

Who We Work With in Southwest Florida

Stone Loft serves clients nationally, and our Naples-area clients work with us entirely through a secure client portal and scheduled video or phone meetings. There is no local office — and no need for one. The relationship quality is the same whether you are in Naples, Philadelphia, or San Francisco. What matters is the depth of the planning work, the consistency of communication, and the alignment of our interests with yours. Those do not require a physical location.

 

Our Naples and Southwest Florida client base tends to share a few common characteristics: substantial investable assets, planning complexity that has outgrown a single-product advisor, and a preference for a long-term advisory relationship over transactional interactions.

 

We work particularly well with:

 

  • Retirees and pre-retirees with $5M or more in investable assets who need a coordinated income, tax, and estate strategy
  • Business owners who have sold or are preparing to sell and need guidance on proceeds, tax exposure, and what comes next
  • Heirs and beneficiaries managing inherited wealth for the first time and navigating the decisions that come with it
  • High-earning women who want an advisory relationship built on transparency and their specific financial priorities
  • LGBTQ+ individuals and couples whose planning needs — from estate documents to beneficiary designations — require an advisor who understands the full picture
  • Active traders who need a fiduciary perspective alongside their own market activity

 

If your situation is straightforward, there are lower-cost options available. If it is not, the value of a fiduciary relationship compounds over time in ways that are difficult to quantify — and impossible to recover once the wrong decisions have been made.

Frequently Asked Questions — Naples Wealth Management

  • Do you have a physical office in Naples, Florida?

    We do not maintain a local office in Naples. Stone Loft serves clients nationally through a secure client portal, video meetings, and phone consultations. Our Naples-area clients find this model efficient and consistent with the level of service they expect from a boutique advisory relationship.

  • What is the minimum investment to work with Stone Loft?

    We generally work with clients who have $5 million or more in investable assets. This threshold reflects the complexity of the planning work we do and ensures we can deliver the depth of attention each client relationship requires.

  • How does fee-only wealth management differ from what most advisors in Naples offer?

    Most advisors earn compensation through product commissions, fund revenue sharing, or insurance sales — structures that create conflicts of interest between the advisor's income and the client's outcome. Fee-only means our only compensation is the advisory fee you pay directly. Nothing else influences what we recommend.

  • Can you help with estate planning specific to Florida residents?

    Yes. Florida's estate and tax environment creates specific planning opportunities — including no state income tax, favorable homestead protections, and no state estate tax. We coordinate estate planning strategy for Naples-area clients in conjunction with qualified estate attorneys, ensuring your plan takes full advantage of the state's legal framework.

  • Is Stone Loft a registered fiduciary, and how can I verify that?

    Yes. Stone Loft Wealth Management is a Registered Investment Advisor, and our CFP designation is verifiable through FINRA BrokerCheck. We also maintain a Form CRS and full compliance disclosures, which are available in the footer of our website.