There is a growing trend of investors firing their traditional advisors to go “Full AI” or DIY. Usually, they are doing this for one reason: Fees.
If you are paying $20,000 to $40,000 a year (the typical 1% fee on a $2M–$4M portfolio), you start to wonder if a chatbot could do the job for free. But there is a middle ground. At Evergreen, we’ve built a “third way”—the Tech-Augmented Fiduciary.
By leveraging a world-class “Silicon Valley” tech stack, I can provide a higher level of precision than a traditional firm, while charging a flat fee that is often a fraction of what you’re currently paying.
The Evergreen “Engine”: Why I Interface with the Tech (So You Don’t Have To)
I don’t just “use” technology; I use it to replace the overhead of a 50-person firm. When you see a flat fee of $725/month, you aren’t getting “less” advice—you’re getting a more efficient delivery of it.
Here is how I use AI and specialized software to outperform the traditional “1% fee” model:
- Tax Engineering with Holistiplan: Instead of waiting weeks for a CPA’s input, I use Holistiplan to instantly scan your tax returns. It identifies missed opportunities for Roth conversions or tax-loss harvesting and models “what-if” scenarios in seconds.
- Precision Guardrails with Nitrogen (formerly Riskalyze): I don’t guess your risk tolerance. We use math-based analysis to give your portfolio a “Risk Number,” ensuring your investments are mathematically aligned with your actual comfort zone.
- Institutional-Grade Rebalancing with Schwab iRebal: This software allows me to monitor and rebalance your portfolio with the same sophistication as a massive institutional desk, ensuring you never drift off course.
- The eMoney Command Center: You get a secure, real-time portal for financial modeling that updates daily. It’s your entire financial life in one view—transparent and tax-optimized.
Why You Can’t Just “Gemini” Your Wealth
If I have all this tech, why do you need me at all? Why not just use Gemini?
AI is a map; a Fiduciary is a Mountain Guide.
- The “Execution” Gap: Gemini can explain a Roth conversion, but it can’t execute the trade, monitor the tax impact across your other accounts, or stand behind the decision with Fiduciary Liability.
- Emotional Accountability: When the market drops 15%, an AI will give you a logical bulleted list of why markets fluctuate. A human advisor picks up the phone to prevent you from making a permanent mistake with your temporary emotions.
- Messy Reality: AI thrives on clean data. It struggles with messy inheritances, nuanced family dynamics, or the specific “gut feelings” that come with a life’s work.
The Price Paradox: Why $8,700 vs. $30,000?
Clients often ask: “If you’re doing all this, why is your fee so much lower?”
The answer is simple: I have no skyscraper to pay for. Traditional firms charge 1% because they have to fund massive compliance departments, expensive mid-level managers, and glossy marketing teams. As a solo advisor, my overhead is my tech stack. I am the interface between you and the most advanced financial tools in the world.
You get the boutique, one-on-one relationship of a dedicated advisor, powered by the same (or better) technology than the “big guys,” without paying for their bloated infrastructure.
Is It Time to Upgrade Your Advisor?
You don’t have to choose between a $30,000 human advisor and a free AI bot. You can have a Tech-Forward Fiduciary who uses the best of both worlds to protect your legacy.