Natural Bridges Financial Advisors is a registered investment advisor based in Santa Cruz, California, owned and operated by Christopher L. Wentzien and Sarah Brown. The firm specializes in providing comprehensive financial planning and investment advisory services to individuals and families. Natural Bridges distinguishes itself by addressing a wide range of needs beyond traditional investments, including tax planning and preparation, estate planning, risk management, retirement planning, and small business development. The firm operates as a fee-only practice, meaning compensation comes exclusively from professional fees paid directly by clients, with no commissions or third-party referral fees. Natural Bridges acts in the client's best interest as a fiduciary. Investment strategies primarily emphasize broadly diversified, low-cost exchange traded funds and no-load mutual funds from providers like Dimensional Fund Advisors and Vanguard, tailored to individual risk tolerances and tax situations.
Fee Structure
Natural Bridges Financial Advisors offers an Open Retainer service that provides comprehensive financial planning and investment management for a fixed annual fee ranging from $12,000 to $50,000, payable quarterly in advance. The fee is based on the complexity of your financial situation and the scope of services needed. This ongoing service includes scheduled meetings tailored to your needs, as well as additional face-to-face, email, and phone consultations at no extra charge. Covered topics include financial planning education, net worth analysis, retirement planning, tax planning and preparation, investment management, portfolio analysis, asset allocation, estate plan reviews, insurance analysis, and small business planning.
