Fee-Only Fiduciary Wealth Management for New York City

Independent, commission-free financial guidance for high-net-worth professionals, executives, and LGBTQ+ individuals across Manhattan and the greater NYC metro — built on transparency, not product sales.

Why NYC Clients Choose an Independent RIA Over a Wall Street Firm

In a city where every major bank, brokerage, and wirehouse has a flagship office, the advisor you don't hear about is often the one working hardest for you. Stone Loft Wealth Management is an independent registered investment advisor — not affiliated with any bank, insurance company, or investment product manufacturer. That independence is the foundation of everything we do.

 

Fee-only fiduciary wealth management means we are legally and structurally obligated to act in your interest. We earn no commissions, accept no referral fees, and sell no financial products. Our compensation comes entirely from a transparent, tiered AUM fee — starting at 0.30%, dropping to 0.20% above $5M and 0.10% above $10M. For clients managing $5 million or more in investable assets, that pricing aligns closely with Vanguard institutional rates and is among the most competitive available from an independent advisor in the New York market.

 

New York's financial industry is built on complexity, and much of that complexity serves the firm, not the client. We take the opposite approach: low-cost, index-driven investment strategies, clear fee structures, and a planning relationship that's built to last — not to generate transaction revenue.

The Full Scope of Wealth Management, Delivered Without Conflict

Stone Loft serves clients across the full range of financial planning disciplines. For New York City clients, the most relevant needs often involve layered compensation structures, significant estate planning exposure, and tax efficiency across multiple income sources. Our services address all of it under one relationship.

 

  • Financial planning that accounts for your full financial picture — income, assets, liabilities, and long-term goals
  • Estate planning strategies designed to minimize transfer costs and align with your intentions across generations
  • Executive compensation planning for equity awards, deferred compensation, and restricted stock units
  • Gifting and charitable planning for clients who want their wealth to reflect their values
  • Lending solutions for clients who need liquidity without disrupting a well-structured portfolio
  • Portfolio construction and asset allocation built on evidence-based, low-cost investment principles

 

For clients navigating inherited wealth, active trading activity, or the specific planning dynamics that affect LGBTQ+ individuals and couples, we bring focused knowledge that generalist advisors often can't match. Our LGBTQ wealth planning approach addresses the financial and legal complexities that remain uneven across state lines — including estate structures, beneficiary designations, and tax filing considerations for couples in varying legal situations.

Built for New York's High-Earning Professionals

Serving New York City Clients Nationally, Without Compromise

New York concentrates a specific kind of financial complexity: high W-2 income layered with equity compensation, real estate holdings, business interests, and sometimes significant inherited assets. The clients we work with in this market are often managing multiple moving parts simultaneously — a liquidity event, a career transition, a growing estate — and they need an advisor who can hold all of it with the same level of rigor.

 

We work with executives at public and private companies managing equity compensation and deferred income, business owners approaching a sale or transition, active traders whose tax situations require careful coordination, and high-earning women who want a planning relationship that treats their financial goals as primary, not secondary. If you're in New York and you've outgrown the account-management model that most large firms offer, Stone Loft is built for what comes next.

 

Stone Loft is headquartered in the Philadelphia metro and serves clients across the country. We work with New York City clients virtually through a fully remote-capable advisory model — video meetings, secure document sharing, and a client portal that keeps your financial picture accessible on your schedule.

 

For clients who prefer to meet in person, we coordinate travel to New York on a planned basis. The relationship is not defined by proximity — it's defined by the quality of the advice and the consistency of the communication. Many of our New York clients came to us after working with larger firms where they felt like a number. Our boutique model means you have a named advisor who knows your situation in depth, not a rotating team of associates.

 

Our CFP designation is verifiable through FINRA BrokerCheck, and our Form CRS and compliance disclosures are available in the footer of every page on this site. We believe that transparency about credentials and compensation is the baseline — not a differentiator — for any advisor asking to manage significant wealth.

Frequently Asked Questions About Fee-Only Wealth Management in New York City

  • What does it mean to work with a fee-only fiduciary financial advisor in New York City?

    A fee-only fiduciary is legally required to act in your interest and earns no commissions from financial products. In New York's financial services market, where commission-based and hybrid models are common, this distinction matters significantly. It means your advisor's recommendations are driven by your goals, not by what generates revenue for the firm.

  • What is your minimum investment threshold for NYC clients?

    We work with clients who have $5 million or more in investable assets. This threshold allows us to deliver the depth of planning and portfolio management that complex financial situations require, without spreading the relationship too thin.

  • How does Stone Loft work with LGBTQ+ individuals and couples in New York?

    We bring focused knowledge to the financial planning considerations that affect LGBTQ+ clients — including estate structures, beneficiary designations, tax filing strategy for couples, and the legal variability that can affect financial outcomes across state lines. New York's legal framework is relatively strong, but for clients with assets or family connections in other states, those gaps still require careful planning.

  • Do you meet with New York City clients in person?

    Our advisory model is fully remote-capable, and most client meetings take place via video. For clients who prefer in-person meetings, we coordinate visits to New York on a scheduled basis. The quality of the relationship and the depth of the planning are not dependent on geography.

  • How does your fee structure compare to what large New York firms charge?

    Our AUM fee starts at 0.30% and decreases to 0.20% above $5M and 0.10% above $10M. This tiered structure is among the most competitive available from an independent RIA and aligns with Vanguard institutional pricing at higher asset levels. Large wirehouses and private banks often charge significantly more — and may layer in additional product costs that aren't always visible upfront. Our fee schedule is published on our website with no ambiguity.