Reciprocal Wealth is a registered investment advisor located in Medfield, Massachusetts, founded in 2026 by John E. Lynch, III and Samuel M. Chud. Reciprocal Wealth provides customized wealth management services, combining discretionary investment management and financial planning. When building portfolios, Reciprocal Wealth primarily uses low-cost, diversified mutual funds and exchange-traded funds, alongside individual stocks and bonds when appropriate. The firm employs fundamental analysis and long-term investment strategies tailored to each client's specific goals, risk tolerance, and time horizon. Reciprocal Wealth acts as a legal fiduciary, meaning the firm is required to put client interests first. Clients work with custodians such as Altruist Financial to safeguard their assets while Reciprocal Wealth manages trading and portfolio oversight.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $313K | 1.20% |
| $313K - $625K | 1.08% |
| $625K - $1.3M | 0.96% |
| $1.3M - $2.5M | 0.84% |
| $2.5M - $5.0M | 0.72% |
| $5.0M - $10.0M | 0.60% |
| $10.0M - $20.0M | 0.48% |
| $20.0M - $40.0M | 0.36% |
| $40M+ | 0.24% |
Fees are calculated based on the average daily balance of assets under management during the month and billed monthly in arrears.