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As of July 2026, Tilia directly manages over $430 million of financial wealth for more than 300 multi-generational families, small business owners, and regional foundations. While our roots are securely planted in coastal North Carolina, we serve clients across a dozen states. We maintain a selective, boutique scale to deliver institutional-grade portfolio oversight alongside deeply personal relationships.

Our comprehensive wealth management services are most frequently tailored for households with at least $3 million in investable assets, though our baseline minimum is $1 million. We evaluate total liquid and marketable financial wealth across your entire household, including IRAs, trusts, employer plan rollovers, taxable brokerage accounts, and corporate investment assets held within an LLC. For families with more than $10 million in liquid net worth, we offer specialized consulting and custom concierge family office tracks.

Tilia operates under a philosophy of absolute fee simplicity. Our maximum annual fee is 0.95% for assets between $1 million and $10 million (with fee decreases as balances approach $10 million), and drops significantly lower for portfolios exceeding $10 million. For clients with less than $1 million, we charge a transparent flat fee of $2,500 per quarter. Unlike typical bracketed fee structures, our threshold model applies your lower tier percentage to your entire balance from dollar one once a significant milestone is crossed.

The defining difference is our structural status as an independent, fee-only Registered Investment Advisor, meaning we are legally and ethically bound to act solely in your best interests under a strict fiduciary standard. We are completely decoupled from financial product sales; we do not sell insurance, earn commissions, or accept third-party distribution kickbacks. Our compensation is derived entirely from a transparent percentage of assets under management.

Tilia never acts as a physical custodian or takes direct possession of your wealth. Every client account is registered directly under your name, trust, or business entity at Charles Schwab & Company, which serves as our independent qualified custodian. Schwab provides account protection through SIPC up to $500,000, complemented by substantial excess account insurance through Lloyd's of London. Any uninvested cash is automatically swept across multiple Schwab-affiliated banks to maximize FDIC protection.

While you will have a dedicated primary investment advisor acting as your personal relationship anchor, your wealth is managed through a unified team approach. For our larger wealth management clients, we pair you with a second dedicated advisor who deeply understands your tax-aware parameters. Behind the scenes, every strategic target asset mix, baseline trading structure, and fundamental corporate tracking choice is handled collectively by our investment committee and Certified Financial Planner professionals.