U.S. Wealth Management

Our approach

FROM GOALS TO GROWTH - A CLEAR PATH FORWARD

Our U.S. wealth management offering blends thoughtful planning with disciplined portfolio management—helping you grow and protect wealth while keeping your goals at the center.

Click below to see how our process works, and what you can expect when choosing to partner with us.

Step 1: Initial Compatibility Call

This is your opportunity to share your aspirations, ask questions, and get to know us better.  By listening to what matters to you, we align our strategies with your values—right from the start.

Our initial compatibility calls are complimentary and entirely confidential. They’re designed to help you determine whether we’re the right fit—without pressure or commitment.

Step 2: Formalizing Our Relationship

Before moving forward, Radix will ask you to sign an service agreement. This formalizes our mutual understanding and allows us to begin working together.

If you decide not to proceed prior to implementation—or if Radix later determines that we’re unable to accept the relationship due to compliance reasons—the agreement will be terminated and no fees will be charged.

Step 3: Data Collection

We’ll ask for personal information about your family, assets, income, and estate planning—along with copies of your driver’s license, current investment account statements, and your most recent tax return.

This isn’t just about numbers. It’s about gaining a comprehensive understanding of your financial world so we can tailor your portfolio to your goals. It also ensures we meet important regulatory and compliance standards from the outset.

We take your privacy seriously. Everything you share is collected securely and handled with the highest level of confidentiality.

Step 4: Investment Risk Profile

Money is emotional, and your peace of mind matters. We look closely at your required rate of return, goal time horizon(s), liquidity needs, and outside financial resources—along with your emotional tolerance for market fluctuations—to build a strategy that fits both your goals and your comfort level.

Step 5: Getting Invested

Once we’ve reviewed your financial information and risk profile, Radix will present a personalized investment plan that reflects your goals and preferences, shaped by the realities of the current market environment—including interest rates, tax rates, and economic conditions.

Upon agreement, we’ll ask you to sign an Investment Policy Statement (IPS) for each account. This document grants Radix discretionary authority to invest your money while clearly outlining any buy/sell restrictions, taxation considerations, liquidity constraints, or other preferences you’ve shared.

Step 6: Staying Disciplined

At Radix, we expect the markets to go a little crazy sometimes—that’s just part of investing and out of our control.  But short-term volatility shouldn’t distract you from the long-term discipline that drives real success.

That’s why we focus on the elements we can control: tax efficiency, minimizing fees, account structuring/titling, and estate planning. These foundational decisions, made with care and intention, have a far greater impact on your long-term success than any single market event.

Working in close collaboration with your legal and tax advisors, the result is a cohesive, tax-efficient strategy that’s built to accomplish your goals—regardless of market conditions.

Step 1: Initial Compatibility Call

This is your opportunity to share your aspirations, ask questions, and get to know us better. By listening to what matters to you, we align our strategies with your values—right from the start. Our initial compatibility calls are complimentary and entirely confidential. They’re designed to help you determine whether we’re the right fit—without pressure or commitment.

Step 2: Formalizing Our Relationship

Before moving forward, Radix will ask you to sign an service agreement. This formalizes our mutual understanding and allows us to begin working together. If you decide not to proceed prior to implementation—or if Radix later determines that we’re unable to accept the relationship due to compliance reasons—the agreement will be terminated and no fees will be charged.

Step 3: Data Collection

We’ll ask for personal information about your family, assets, income, and estate planning—along with copies of your driver’s license, current investment account statements, and your most recent tax return. This isn’t just about numbers. It’s about gaining a comprehensive understanding of your financial world so we can tailor your portfolio to your goals. It also ensures we meet important regulatory and compliance standards from the outset. We take your privacy seriously. Everything you share is collected securely and handled with the highest level of confidentiality.

Step 4: Investment Risk Profile

Money is emotional, and your peace of mind matters. We look closely at your required rate of return, goal time horizon(s), liquidity needs, and outside financial resources—along with your emotional tolerance for market fluctuations—to build a strategy that fits both your goals and your comfort level.

Step 5: Getting Invested

Once we’ve reviewed your financial information and risk profile, Radix will present a personalized investment plan that reflects your goals and preferences, shaped by the realities of the current market environment—including interest rates, tax rates, and economic conditions. Upon agreement, we’ll ask you to sign an Investment Policy Statement (IPS) for each account. This document grants Radix discretionary authority to invest your money while clearly outlining any buy/sell restrictions, taxation considerations, liquidity constraints, or other preferences you’ve shared.

Step 6: Staying Disciplined

At Radix, we expect the markets to go a little crazy sometimes—that’s just part of investing and out of our control. But short-term volatility shouldn’t distract you from the long-term discipline that drives real success. That’s why we focus on the elements we can control: tax efficiency, minimizing fees, account structuring/titling, and estate planning. These foundational decisions, made with care and intention, have a far greater impact on your long-term success than any single market event. Working in close collaboration with your legal and tax advisors, the result is a cohesive, tax-efficient strategy that’s built to accomplish your goals—regardless of market conditions.

Fees & Minimums

Straightforward pricing

Radix is a "fee only" firm, meaning our only source of revenue is collected directly from our clients.

We don't get paid commissions for trading in your account;

We don't get paid from mutual fund or annuity companies for recommending their investment products; and

We don't get paid for selling our client's data.

We believe this fee structure best ensures that our recommendations and investment decisions are made independently and in your best interest.

Household Assets Under Management

Tiered Annual Fee (% of AUM)**

Under $2.5 million*

1.00%

$2.5 million+

0.65%

Option strategies (all AUM levels)

Additional 0.15%

* Minimum household AUM of $1 million generally required
** Fees are deducted monthly, in arrears, directly from the client account(s). Brokerage commissions, mandatory tax withholding, and/or underlying expense ratios are charged on transactions prior to the month end fair market value calculation.

FAQ

Ask us what you want to know more about

Snorkeling over a coral reef

How long does the onboarding process take?

In most cases, the speed you can provide documentation is what determines how quickly we are able to move through the onboarding process.

Onboarding for the First Pillar Fund is generally the fastest. If KYC documents are in order, onboarding and approval can happen in as little as 72 hours. However, please note that subscriptions and redemptions are offered on a monthly basis and must be confirmed by the 15th of the month prior.

Financial planning engagements expire after 90 days by agreement, unless extended.

How often will I hear from Radix Financial?

A detailed statement is sent to you via email on a quarterly basis outlining your net asset value and performance. This report will come directly from our third-party administrator.

In addition, you’ll receive a quarterly economic commentary via email, offering deeper insights into market trends and portfolio positioning. We also share frequent, topical updates on our social media platforms—LinkedIn and Instagram—to keep you informed between formal communications.

Who holds my money if I invest with Radix Financial?

Radix Financial partners with major third-party custodians and broker-dealers.

Radix Financial Cayman, LLC primarily recommends Interactive Brokers LLC, Member FINRA/SIPC for Cayman Islands-based relationships.

In certain circumstances Radix allows clients to direct or retain their existing custodial relationship, as long as trading and settlement functionality can be established and are operationally feasible.

Client funds and Radix corporate assets are never comingled, so even if something were to happen to Radix Financial, such as bankruptcy or litigation, your funds are held separately.

Over what time frame should I expect returns?

Because of the long-term nature of Radix’s portfolio strategies, portfolios are kept 95-100% invested at all times, regardless of market conditions.  This allows us to keep trading costs at a minimum and focus our efforts on identifying companies we believe will deliver long-term profitability within the context of the overall diversified strategy and the current economic environment.

Investment portfolios will experience losses over short-term and sometimes medium-term time periods.  Investing involves risk, and you should expect to regularly experience market downturns in tandem with broad market indexes.

The First Pillar fund is not appropriate for short-term investors.

Can you work with anyone?

Unfortunately, not. Radix Financial Cayman, LLC is duly registered with the Cayman Islands Monetary Authority (CIMA) to offer services exclusively for one or more of the following classes of persons – pursuant to section 5(4) and paragraph 2 of Schedule 4 of the Securities Investment Business Act (2020 Revision):

a) a “sophisticated person” who — (i) by virtue of knowledge and experience in financial and business matters is reasonably to be regarded as capable of evaluating the merits of a proposed transaction; and (ii) participates in a transaction with a value or in monetary amounts of at least CI $80,000 or its equivalent in any other currency, in the case of each single transaction;

b) a “high net worth person” means — (i) an individual whose net worth is at least CI $800,000 or its equivalent in any other currency; or (ii) any person that has total assets of not less than CI $4,000,000 or the equivalent in any other currency.

c) a company, partnership or trust (whether or not regulated as a mutual fund) of which the shareholders, unit holders or limited partners are one or more persons falling within (a) or (b).

What if I don't meet your minimums (yet)?

That’s okay!  We’ve put together a resources page that can help you get started on your own.  There’s some great stuff on there like book recommendations, links to resources, and basic instructions on how to get set up with service providers we trust.

Contact us

Ready to Discuss Your Wealth Strategy?

Whether you are preparing for retirement, reviewing your current portfolio, coordinating tax-aware investment decisions, or looking for ongoing wealth management support, Radix can help you determine whether there is a fit.

Schedule a U.S. Wealth Consultation
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