SEC Registered · Fee-Based · Fiduciary
We advise business owners, executives, multi-generational families, and retirement plan sponsors on financial planning—integrating investment management, retirement income, tax strategy, and estate coordination.
Who we serve
Individuals and multi-generational families seeking a trusted adviser to manage investments, coordinate estate planning, and navigate major financial decisions with confidence.
Entrepreneurs, corporate executives, and professionals navigating concentrated equity, deferred compensation, business transitions, and the complexity of building personal wealth alongside a growing enterprise.
Businesses and HR departments that sponsor 401(k), defined benefit, cash balance, and deferred compensation plans — seeking an independent fiduciary to oversee investments and meet their ERISA obligations.
Nonprofit organizations, religious institutions, and mission-driven entities that require disciplined investment oversight, spending policy guidance, and fiduciary accountability for their endowments and reserves.
What we do
Comprehensive investment advice and portfolio management for individuals and families, built around your unique goals and risk tolerance.
Holistic planning that integrates retirement, tax strategy, estate considerations, and health and elder care into one clear roadmap.
ERISA plan consulting and management for 401(k), cash balance, defined benefit, and deferred compensation programs.
Our philosophy
"We believe in real people helping people."
We're not a call center or a robo-adviser. When you reach out, you speak with us directly. We have more than 25 years of experience as fee based Investment Advisers and Business plan consultants.
We serve:
We are relied upon for responsive, personal service, asset management and strategic advice.
Our commitments
Fee-based compensation with no hidden commissions. You always know exactly what you're paying and why.
We are legally and ethically obligated to act in your best interest — not our own or any third party's.
You're not pushed to an automated solution. We prioritize one-on-one conversations and long-term relationships.
We are committed to the communities we serve — guiding families and businesses toward lasting well-being.
How we work
Every client relationship begins the same way — with us listening. From there, we follow a structured process that ensures nothing is overlooked and every decision connects back to your goals.
Start the conversation →Why SRL
Personal wealth does not exist in isolation. For business owners, executives, and families with real complexity, a portfolio strategy disconnected from your pension, executive benefits, deferred compensation, and estate plan is only part of the answer — and often the smaller part.
SRL is one of a small number of advisory firms that genuinely integrates both worlds. We bring deep, specialized knowledge in pension design, ERISA fiduciary responsibility, and executive benefits — and we use that knowledge to inform every personal wealth and estate planning decision we make. The result is a more complete strategy than most clients have ever had.
Defined benefit plans, cash balance plans, non-qualified deferred compensation, and group benefits are complex instruments that carry significant tax and estate implications. We hold the AIF® and CEBS designations specifically because this expertise matters — and most advisers simply don't have it.
When your investment adviser and your retirement plan consultant are the same firm, decisions stop happening in silos. We coordinate your personal portfolio, your plan assets, your tax strategy, and your estate plan as a single integrated whole — which is where the real value is created.
Many of our clients come to us after years with advisers who never flagged the tax savings available through a properly designed Cash Balance plan, or the estate planning leverage inside a deferred compensation structure, or the Roth conversion window that opens when compensation is deferred. These are not exotic strategies — they are well-established tools that require the knowledge to see them and the expertise to implement them.
Client situations
The following are illustrative of the types of situations we serve. Client identities are not disclosed.
A founder in the medical sector came to us with substantial personal assets built over a career — and a new venture that carried meaningful liability risk. The challenge: protect what had already been built while simultaneously planning for a liquidity event that could be transformative.
Our focus
A law firm asked us to evaluate their existing retirement plan. What we found: poor plan design and an excessive fee structure that was quietly working against the senior partners. By redesigning the plan and adding a Cash Balance component, we dramatically improved outcomes for the firm's leadership.
What we did & what happened
A company engaged us to restructure executive benefits so that top-level leaders could defer meaningful portions of their compensation. What appeared to be a benefits exercise became a multi-layered tax and estate planning opportunity — reducing current income, creating room for Roth conversions, and laying the groundwork for more efficient wealth transfer.
Our focus
A client came to us with a significant portfolio of brokerage accounts and inherited IRAs that had been poorly managed — the inherited IRAs were left untouched by the prior adviser, missing both the opportunity and the obligation to properly position them. We corrected the structure, aligned the assets with the family's estate goals, and built a plan designed to serve the next generation.
What we did
The situations above are illustrative of client types and planning approaches. They do not represent specific client testimonials or guarantee similar outcomes. Past results are not indicative of future performance.
Discuss your situation →Featured resource
Retirement Analysis
A quantitative breakdown of Traditional vs. Roth IRA, 401(k) strategy, Social Security optimization, and the real cost of state taxes in retirement — built on actual S&P 500 returns from 1985 to 2025.
Read the analysis →Meet your adviser
President & Founder
Founder of SRL with decades of experience in investment management, pension consulting, and retirement planning. When you work with SRL, you work directly with Howard — not a call center, not an algorithm.
Meet the team →Common questions
A fiduciary is legally required to act in your best interest at all times — not just recommend "suitable" investments. SRL is a fiduciary on all advisory relationships.
Our investment services are fee based, but we also serve corporate clients with group benefits and deferred compensation that may require insurance.
We do not impose a rigid account minimum, but our services are best suited for families and organizations seeking an ongoing advisory relationship. See Form CRS.
No obligation. Just a straightforward talk about your goals.
