Theory Financial manages investment portfolios and offers comprehensive financial planning services for individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm uses a strategic asset allocation approach, constructing globally diversified portfolios primarily using mutual funds and exchange-traded funds, while tailoring strategies to each client's risk tolerance and financial goals. Theory Financial also offers standalone or bundled financial planning covering retirement, taxes, estate coordination, employee benefits, education funding, budgeting, and debt management. Ryan Charles Stout serves as the managing member and chief compliance officer.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 0.99% |
| $250K - $750K | 0.85% |
| $750K - $1.5M | 0.75% |
| $1.5M - $3.0M | 0.65% |
| $3.0M - $5.0M | 0.55% |
| $5M+ | 0.50% |
Fees are negotiable. Household accounts may be combined for reduced fees.