3T Advisors provides customized financial planning and investment advisory services to individuals, trusts, estates, charitable organizations, and private business entities. Founded in 2009 by J. David McCurdy, the firm operates with a focus on objective financial advice, charging clients directly through hourly rates, flat fees, or percentages of portfolios. Services encompass comprehensive financial planning, investment consulting and management, insurance planning, tax planning and preparation, planned giving, retirement planning, education planning, and estate planning coordination. 3T Advisors emphasizes long-term investing, risk-adjusted returns, and diversified portfolios utilizing stocks, bonds, mutual funds, exchange-traded funds, and selective options. The firm does not maintain custody of client funds, does not accept commissions or referral fees, and operates under a legal obligation to act in clients' best interests.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.00% |
| $250K - $500K | 0.80% |
| $500K - $1.0M | 0.60% |
| $1.0M - $3.0M | 0.40% |
| $3M+ | 0.40% |
Fees for amounts over $3,000,000 are negotiable.