Christopher Investment Advisors is an independent wealth management firm founded by sole proprietor Christopher G. Sadkowski. The firm provides disciplined, endowment-style investment management and comprehensive financial planning to an intentionally limited number of individuals and families. Investment strategies focus on academically supported principles, utilizing broad diversification, low-cost index funds, and Exchange Traded Funds held at reputable independent custodians like Fidelity Investments or Charles Schwab. Christopher Investment Advisors operates strictly on a fee-only basis, legally acting in the client's best interest without accepting commissions, finder's fees, or referral fees. Services are customized to each client's specific needs, incorporating ongoing communication, investment policy development, risk assessment, and holistic financial planning covering areas such as retirement, taxes, insurance, education funding, and estate planning.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.75% |
| $1.0M - $2.0M | 0.50% |
| $2M+ | 0.30% |
Subject to a minimum annual fee of $1,000 ($250 quarterly) and a minimum of $50,000 in investment assets. Fees are subject to negotiation based on specific client circumstances. Flat retainer fees based on time and complexity are also available as an alternative.