Fee-only fiduciary wealth management · Est. 2003
Grow it. Protect it. Pass it on.
The chart behind these words is the whole argument. What you set aside is the thin band at the bottom. Everything gold above it is time, doing the work no one can do for you — if the plan holds.
The approach
Two jobs, held in balance for decades: let capital compound, and make sure a bad year never forces a bad decision.
Most portfolios don’t fail on the way up. They fail when fear meets a down market and someone sells the plan at the bottom. Our work is unglamorous on purpose: a written plan, low-cost diversified positions, tax-aware rebalancing, and a cash runway sized so you never have to sell equities to eat. That discipline is what turns the thin band into the gold one.
- $1.4B Assets under advisement
- 240 Households we serve
- 12 yrs Median client tenure
- 0 Commissions · product sales · hidden fees
What we manage
Four mandates, one continuous plan
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01
Financial planning
A written, living plan — cash flow, goals, insurance, education, real estate — updated as your life changes, not once and filed away.
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02
Investment management
Globally diversified, low-cost portfolios built to your risk capacity, rebalanced with discipline and an eye on every tax lot.
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03
Retirement income
The hard part isn’t saving — it’s spending. Tax-efficient withdrawal sequencing, Social Security timing, and a paycheck that outlives you.
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04
Estate & legacy
Trusts, gifting, charitable strategy, and beneficiary coordination — so what you built lands where you intend, with less lost to tax and friction.
Why it’s different here
A fiduciary is legally bound to put you first. Most people advising on money are not.
Northwind is a fee-only Registered Investment Adviser. We are paid one transparent way — a percentage of the assets we manage — and by law we owe you the fiduciary duty of loyalty and care on every recommendation. No commissions. No proprietary products. No incentive that isn’t your incentive.
“We will act in your best interest, disclose every conflict, and charge you only the fee we agreed to — in writing, in plain language.”
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1
Introduction
A 30-minute conversation. No pitch, no cost. We learn what money is for in your life.
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2
Discovery & plan
We map your full picture and deliver a written plan with clear, testable recommendations.
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3
Implement
Accounts opened at an independent custodian. You keep title; we manage.
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4
Steward
Quarterly reviews, proactive tax work, and a call whenever the plan meets the real world.
Your advisor
Margaret Holloway, CFP®, CFA
Founder & Managing Principal
Margaret founded Northwind in 2003 after fifteen years managing institutional portfolios, on a single conviction: ordinary families deserve the same disciplined, conflict-free advice that endowments take for granted. She has guided clients through three bear markets without a forced sale. She works with a deliberately small book so every plan gets her attention.
- Credentials
- CERTIFIED FINANCIAL PLANNER™ · Chartered Financial Analyst
- Registration
- SEC-registered investment adviser · CRD #114-8827
- Standard
- Fee-only · fiduciary at all times · Form ADV on file
- Based in
- Providence, Rhode Island · serving clients nationwide
What clients say
We came in scared — we’d just sold a business and had no idea if it was enough. Margaret didn’t sell us anything. She showed us the plan, showed us the math, and in 2020 when I wanted to sell everything, she talked me down. That one conversation is worth more than any fee we’ve paid.
Start here
Book an introduction
Thirty minutes, no cost, no obligation. We’ll listen more than we talk. If we’re not the right fit, we’ll say so and point you somewhere better.
- No sales pitch — a real conversation
- Fee-only · we never earn a commission
- Your details stay private — we don’t sell data
Typical relationship begins at $500,000 in investable assets. Not there yet? Say so — we’ll still point you in a good direction.