Navigating complex currents. Together.
Fiduciary wealth management built like a crew: one plan, every stroke in sync, paced for the distance your retirement actually needs to cover.
A crew moves only as fast as its timing.
Eight strong rowers out of sync go nowhere. The same is true of a financial life: income, reserves, insurance and investments that each pull hard, but in different directions. We build one plan and set the stroke rate for all of it.
Synchronicity
Cash flow, reserves, insurance and investments pulling in the same direction: one plan, not a collection of accounts.
Precision
Every holding has a defined job. We measure, review and rebalance with the discipline of a coxswain calling the stroke.
Pacing
The flooring technique covers life’s essentials first, so growth assets have the time they need to work.
Changing currents
Markets change direction. Cash reserve systems and a measured risk tolerance keep you steady when the water turns rough.
The symmetry of precision.
From above, a well-rowed boat is almost perfectly symmetrical: every blade entering the water at the same angle, at the same moment. We manage portfolios the same way, with each part of your wealth assigned a clear role and sized to your plan and your risk tolerance.
- Income
- Holdings selected to generate cash flow toward life’s essentials, the floor your plan stands on.
- Growth
- Longer-dated positions aimed at appreciation, given the time and sizing to ride out volatility.
- Core
- Long-term thematic holdings that anchor the portfolio between the two.
Not your typical advisers.
With 25+ years of experience in financial management, we are focused on growing your wealth with purpose. If you are a successful professional with at least $1 million to invest and you are ready to move past a conservative-by-default mindset, we are here to help.
Our active management approach combines stocks, options and tactical leverage in pursuit of higher returns, and it involves higher risk. We encourage clients to enjoy their wealth now, not just save for a distant future.
Active management carries a higher fee than a passive approach; our advisory fees are 2%+ of assets under management. Full fee schedules are in our Form ADV Part 2A.
- Fast responseWe aim to respond to clients with answers and solutions within 24–48 hours of being contacted.
- Client focused, not revenue focusedA fee for service must be fair and equitable. Our goal is always a win-win relationship.
- Results-drivenResults are what clients hire us to pursue, and we hold ourselves accountable to them.
- AvailableWe are here for our clients during the week and on the weekend.
- Hand in handIf need be, we will walk with you until you have a firm grasp of your plan on your own.
Rise early. Do the quiet work.
Rowers are on the water before the city wakes. Long-term planning works the same way: disciplined, unglamorous and consistent, building momentum you can’t see until the finish line comes into view. Rapid Retire® is designed to potentially put you in position to retire 7–10 years sooner than you think you could.
Clarity when the river disappears.
Cash reserves built on the 4-A system
Adequate, Accessible, After-tax and Always there, so a rough stretch never forces you to sell at the wrong time.
A floor under the essentials
Food, housing, medical and transportation covered by dependable income sources before growth assets are asked to do anything.
Know your real risk tolerance
Twelve questions, five minutes. Find out how you are likely to respond when markets move, before they do.
Take the Risk Quiz
Harold A. Green
CLU® · CAP® · Principal & Investment Adviser Representative
Harold founded BrightTree Wealth Management in 2019 after more than 25 years in the industry, and holds the Chartered Life Underwriter® and Chartered Advisor in Philanthropy® designations from The American College. As a fiduciary, he is obligated to put clients’ interests first, and he oversees every client relationship personally.
He also hosts Stop Doing What You Hate, a podcast about building the financial freedom to spend your time on what matters to you.
Let’s set the stroke rate for your plan.
A complimentary consultation to understand your goals, map your current position and show you how Rapid Retire® could work for you.