Puzzle's advisors are Investment Advisor Representatives. We own our company. That means we don’t have quotas, product pushes, or corporate agendas. Unlike many firms, we go into far greater detail when reviewing your financial picture, offering a higher level of service that includes regular communication and quick responses to your needs. We also design and manage our own portfolios in-house, so you know exactly how your money is being invested.

Most of our clients have at least $1 million in investable assets. This level allows us to provide comprehensive financial planning and wealth management strategies that can address the complex needs of high-net-worth families.

Most of our work is fee-based, meaning our compensation comes from a percentage of the assets we manage. This structure helps align our interests with yours. In some cases we may charge commissions instead, with 0 advisory fees. As fiduciaries, in advisory accounts, we are required to recommend the fee structure that is in your best interest. We are fully transparent about all fees before you become a client and throughout our relationship with you.

Most clients meet with us three to four times per year. These meetings keep your plan up to date with your goals and life changes. In addition, we’re available if you need us between scheduled reviews.

The best way is to schedule a conversation. We’ll learn about your goals, answer questions, and explain our process. If it feels like a fit, we’ll move forward—if not, you’ll walk away with a better understanding of your options.

We help simplify your financial life by coordinating investments, tax planning, retirement planning, estate planning, and risk management. Our role is to organize the moving parts of your wealth so you can focus on what matters most.

We begin by learning about your goals, risk tolerance, and time horizon. From there, we develop a portfolio that may include stocks, bonds, ETFs, and for larger accounts, private real estate or private equity. Each portfolio is tailored to the client’s situation.

We manage our own proprietary equity portfolios in-house, which provides greater transparency and cost efficiency. We also use carefully selected funds and alternative investments when they fit a client’s objectives.

We don’t prepare tax returns. We design tax-efficient strategies to complement your overall financial plan. These may include Roth conversions, asset location, charitable giving, and coordination with your CPA.

We create retirement projections to help evaluate if you are on track. We consider income sources such as Social Security, pensions, and investment withdrawals. We then design strategies to manage risk, generate income, work toward growing wealth and seeking to reduce taxes.

Yes. We work with your attorney to help ensure your estate plan reflects your wishes. We help clients think through trusts, beneficiary designations, charitable strategies, and how to pass wealth efficiently to the next generation.

Yes. We frequently use tools such as donor-advised funds, qualified charitable distributions, and appreciated stock donations to help clients give in a tax-efficient manner.

As fiduciaries*, we are legally required to put your interests first. This means our guidance is based on your needs and goals—not on commissions or hidden incentives.

*advisory accounts

Puzzle Wealth Solutions has a continuity and succession plan in place. Our clients always have a dedicated team making sure their financial plan remains on course.

Yes. Many of our clients are entrepreneurs. We assist with retirement plans, business exit planning, and strategies to help transition business wealth into personal wealth.