for individuals, families, and organizations

Private Clients

Interlake provides fee-only advisory services to individuals, families, and organizations. The firm’s complete independence means it has no financial ties to other entities, no product-driven conflicts of interest, and no objectives beyond its clients’ long-term success. Clients can rest assured that Interlake’s investment decisions are made purely on their fiduciary merits.

Retirement Planning & Financial Guidance

In working with private clients, our first step is to understand you and situate your investment program in your larger financial life. What are your goals? What are your time horizons for the assets we might manage? Where do these assets fit relative to your others? What is your appetite, capacity, and need for risk in the financial markets? Do you have significant tax considerations? Do you anticipate any meaningful changes in cash flow or net worth? With these questions answered, we can design and implement an investment program that works for you.

These are the things we aim to help our clients do: build smart, diversified, inexpensive portfolios; ignore the short-term noise that surrounds us all; embrace buying opportunities during times of weakness in the capital markets; live for today as well as tomorrow; and trust in the awesome long-term power of compound returns.

For a more detailed statement of Interlake’s investment philosophy, please click here.

To deliver meaningful personalization for our private client households, Interlake operates on the Nebo Wealth platform, a cutting-edge portfolio design system that accounts for your financial goals, your time horizons, your cash flows, and your short-term risk tolerance.

With Nebo, Interlake’s objective is to deliver perfect-fit portfolios across ever-changing market environments. Rather than re-balance to static asset allocations, we re-optimize to your current financial needs, adapting to any changes in your financial plan, the capital markets in general, and your portfolio in particular.

To build your goal-based investment program, Nebo draws on Interlake’s thoughtfully curated menu of mutual and exchange-traded funds spanning a wide range of asset classes, including liquid alternatives. In addition, Nebo can help us can build and maintain your portfolio around illiquid assets such as a closely held business, a concentrated stock position, or real estate holdings.

Smarter. More dynamic. More connected to your wants and needs. Nebo Wealth represents a great leap forward in personalized portfolio management. We’d be delighted to discuss how we can put it to work for you.

How am I doing? What should I do next? To help our clients answer these all-important questions, Interlake offers access to Elements, an app-based system that will help you gain a clear, consolidated view of your financial life. From tracking your financial vital signs to producing one-page plans to delivering quarterly progress reports, Elements makes it easier (and more fun!) to take informed, pragmatic steps toward your long-term goals.

Thanks to the development of new products and technologies, independent advisory firms like Interlake now have access to an impressive array of solutions that can deliver guaranteed lifetime income through various forms of annuities.

These are not the insurance products of old with their paralyzing illiquidity, bloated expenses, and enormous up-front commissions. These are modern, commission-free, fiduciary-minded solutions that give our clients greater freedom to spend in retirement, knowing they won’t out-live their money.

Interlake's lifetime income solutions--offered by leading insurance companies and integrated into balanced, holistic retirement income plans--help us minimize our clients' financial stress and maximize their lifelong well-being. And that's what this is all about.

Investment Philosophy
Personalized Portfolios
Elements Monitoring
Lifetime Income
The Interlake Experience

Explore and Assess

To get started, we want to know you and your financial life as completely as possible. As a first step, we'll collect specific information about household income, assets, and spending through Elements, Interlake's app-based system for monitoring clients' financial vital signs. We'll also invite you to complete a two-dimensional risk assessment through Tolerisk. From there, we'll be ready to collaborate on identifying a pragmatic path forward for today and tomorrow.

Propose and Refine

Equipped with a proper understanding of where you are and where you want to go, we’ll propose a roadmap for getting there. This will involve fully personalized recommendations for asset allocation (for return-seeking and risk-management), asset location (for tax-efficiency), and any available expense reductions (for cost-efficiency). Interlake’s initial proposal won't be etched in stone; instead, it will give us a set of ideas we can refine together to ensure you’re comfortable with and committed to your investment program.

Implement and Monitor

Once we’re ready to work together, Interlake will create an Investment Policy Statement (IPS), assist with the opening of accounts at Altruist, transfer assets to Altruist (all of which can be done quickly and digitally, with no paper involved), and implement your IPS-aligned investment program. We will then monitor your progress with monthly statements from Altruist, quarterly progress reports from Elements, and regular check-ins with Interlake.
The first step toward a better tomorrow is a conversation today
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