EmeraldSpark Investments is an independent registered investment advisor founded in 2015 and owned by Ryan Layton. EmeraldSpark manages investment portfolios for individual clients and provides investment guidance for retirement plans like 401(k)s. The firm builds personalized portfolios using Modern Portfolio Theory combined with insights from behavioral finance to help investors stick to their long-term plans through market ups and downs. EmeraldSpark offers discretionary investment management, meaning the firm makes trades on your behalf based on your goals and risk tolerance. Financial planning services—such as budgeting, debt guidance, retirement income planning, and education savings—are included at no extra cost to wealth management clients. The firm also assists company retirement plans by providing a curated list of funds and model portfolios for employees.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.00% |
| $250K - $1.0M | 0.75% |
| $1.0M - $10.0M | 0.50% |
| $10M+ | 0.25% |
Fees are calculated monthly based on average daily balance and billed in arrears. Fees may be negotiable in unique circumstances.