Independent Fiduciary Advisors
Independent by Structure.
Personal by Design.
At SCM, we serve professionals, business owners, and families approaching retirement who want integrated planning and long-term investment management.
Independent
We answer to clients, not to a parent company. No proprietary products, no quotas, no shelf-space politics.
Fiduciary
Every recommendation is held to a fiduciary standard. Your interests come first by structure, not slogan.
Personal
We build long relationships. Your plan reflects your family, your obligations, and the life you're building.
What We Do
A complete picture of your financial life.
A coordinated approach across the disciplines that shape your financial life — planning, investing, taxes, and retirement income.
01
Financial Planning
Comprehensive planning across cash flow, savings, education, insurance, and estate considerations — refreshed as your life changes.
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02
Investment Management
Globally diversified, evidence-based portfolios built around your goals, tax situation, and tolerance for risk.
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03
Retirement Income
Withdrawal strategies, Social Security timing, and tax-aware income planning designed to make your savings last.
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04
Tax-Efficient Wealth
Asset location, tax-loss harvesting, Roth conversions, and gifting strategies that compound after-tax results.
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What Working With Us Looks Like
A clear path from first conversation to ongoing partnership.
Introductory Conversation
Understand your situation and determine whether we're the right fit.
Financial Organization & Analysis
Gather accounts, goals, risks, tax considerations, and priorities.
Plan & Recommendations
Present an actionable financial and investment strategy.
Implementation & Ongoing Advice
Open or transfer accounts, implement recommendations, and review progress over time.
Our Investment Philosophy
“We don't predict markets. We build durable portfolios, manage risk thoughtfully, and keep clients aligned with the plan that matters most — theirs.”
Technology
Modern tools. Transparent process.
Two purpose-built platforms power the SCM client experience — so your time is spent on the plan, not on paperwork.
Custody, account opening, billing, and investment infrastructure.
Altruist
Altruist is the technology backbone behind your accounts — modern custody with a clean digital experience, fast account opening, transparent billing, and the institutional safeguards clients expect.
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Financial planning, retirement projections, and client planning tools.
RightCapital
RightCapital powers your plan — interactive retirement projections, tax-aware scenarios, and a client portal that lets you see your full picture whenever you want.
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Let's start a conversation
A short consultation is the simplest place to begin.
Tell us a little about your situation. We'll listen, ask good questions, and let you decide whether SCM is the right fit.