Refined Wealth manages investment portfolios and provides personalized financial planning for individuals, families, and high-net-worth clients. Refined Wealth develops tailored investment strategies using stocks, bonds, mutual funds, exchange-traded funds, and cash equivalents, often utilizing modern portfolio theory and third-party investment managers. In addition to portfolio management, Refined Wealth offers comprehensive financial planning covering retirement, business consulting, cash flow, debt management, college savings, employee benefits, estate planning, insurance, risk management, and tax planning strategies. The firm is led by founder and Certified Financial Planner Joseph Ward and operates as a registered investment advisor based in Texas.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $3.0M | 0.80% |
| $3.0M - $5.0M | 0.60% |
| $5M+ | 0.40% |
Fees are negotiable. Household accounts may be aggregated. Ongoing planning is included at no extra cost.