Financial Planning and Private Wealth Management
EWM is an independent, fee-only fiduciary financial advisory firm. Located in Satellite Beach, Florida, we help people seeking personal, sophisticated, and careful wealth management — whether you’re just starting to save and invest, a busy professional approaching retirement, or someone who wants to enjoy your retirement years in comfort.
We’re a small, boutique RIA offering a personalized, concierge feel to wealth management.
Need a Financial Check-Up?
Our financial planning process and investment management services provide a path toward achieving what’s most important to you.
Together, we’ll create an individualized plan to get you from where you are today to where you want to be tomorrow.
Ready to gain clarity on your financial situation, set your financial goals, and grow your wealth?
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We offer one-off, project-based financial planning. This is perfect for clients who want to get a comprehensive "financial check-up" but want to continue managing their own investments.
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We offer investment management for clients who want to outsource their investment decision-making. This service tier includes the creation of a financial plan and ongoing financial planning to keep you on track to reach your goals.
Why Choose a Fee-Only Fiduciary Financial Advisor?
Unlike other types of financial advisors, Eppes Wealth Management is a fee-only fiduciary — which means we provide truly objective financial guidance focused solely on your best interests.
Fiduciary Duty
Legally and Ethically Bound to Put You First.
We are under oath and law to act in your best interest at all times.
This is the highest legal and ethical standard in financial advising.
Fee-Only
No Commissions. No Product Sales.
We never sell investments, insurance, or annuities.
Paid only by you, the client, ensuring unbiased, personalized advice.
Independent
No Commissions from Third-Parties.
We don’t receive commissions from the sale of insurance or other financial products.
Since we don’t receive commissions, our sole loyalty is to you and your financial success.
“Of the roughly 285,000 professionals in the U.S. who offer clients financial advice, fewer than 2% are fee-only advisers who follow a true fiduciary standard that prohibits commissions on products recommended to clients and legally requires the advisers to always put their clients’ interests first.”
The Wall Street Journal - “Is It Time to Adopt a Uniform Fee-Only Standard for Financial Advice?”
Choosing Eppes Wealth Management means having a dedicated financial partner whose incentives are aligned with yours and who is legally bound to put your interests first.
The Value of Working With a Financial Advisor
In their research, Vanguard refers to “Advisor’s Alpha®” as their attempt to measure the added value that wealth management can provide. While traditional alpha refers to beating market benchmarks, Vanguard’s measurement of “Advisor’s Alpha” is the attempt to measure increase in net returns and financial security that comes from professional investment strategy, disciplined wealth management, and financial planning.
Major financial institutions have spent decades quantifying how much value an advisor can add. See studies below:
Vanguard’s "Advisor’s Alpha" study: “Based on our analysis, advisors can potentially add up to, or even exceed, 3% in net returns by using the Vanguard Advisor’s Alpha framework.”
Envestnet’s “Capital Sigma: The Advisor Advantage”: “Capital Sigma is Envestnet’s term for the sum total of advisor-created value, and includes financial planning, asset class selection and allocation, investment selection, systematic rebalancing, and tax management. Under this aegis, this white paper embraces five areas that engender measurable value to the client. Beginning with the baseline of financial planning, we then examine asset allocation, investment selection, systematic rebalancing, and tax management. Each element can contribute ‘alpha,’ or excess return over a given benchmark — the traditional mark of gauging advisor value. According to our research, the combination of successfully implementing these sources has produced around 3% of value add annually (see Table 1). We explain each one, and assign a figure to quantify the value it generates.”
Russell Investments’s “Value of a Financial Advisor Study” (2025): “Our annual Value of an Advisor study looks at some of the most common [definitions of value]: the appropriate asset allocation for a client’s risk tolerance and financial goals, preventing the behavioral mistakes that investors tend to make, customized wealth planning for their clients and their clients’ families, and tax-smart planning to help their clients retain more of their wealth to have the potential to keep on growing. Indeed, our study consistently finds that the value advisors deliver to their clients materially exceeds the 1% fee they typically charge for their services. In 2025, we believe the value of an advisor in the U.S. is approximately 4.87%.”
Fidelity: “Industry studies estimate that professional financial advice can add up to 5.1% to portfolio returns over the long term, depending on the time period and how returns are calculated.”
Where Does This “Advisor Alpha” Come From?
Advisor alpha isn’t magic; it is the result of systematic, evidence-based wealth management. According to the Vanguard, this value is built on four key pillars:
1. Behavioral Coaching: The largest contributor to your success isn't what you buy, but what you don’t sell. Your advisor acts as a circuit breaker, helping you avoid emotional decisions — like panic-selling during a downturn or chasing “hot” trends — that can derail a lifetime of savings.
2. Tax-Efficiency & Asset Location: It’s not just about what you earn; it’s about what you keep. By strategically placing specific investments in taxable vs. tax-advantaged accounts and utilizing tax-loss harvesting, we help minimize the “tax drag” on your wealth.
3. Cost-Effective Implementation: High internal fund fees and trading costs can erode a portfolio over long time-horizons. We focus on low-cost, high-quality investment vehicles to ensure more of your money stays working for you.
4. Rebalancing and Spending Strategy: Systematically “buying low and selling high” through rebalancing maintains your risk profile. Furthermore, as you reach retirement, we develop a “spending priority” to determine which accounts to draw from first, extending the life of your portfolio.
Working with a fee-only fiduciary advisor is about more than just a portfolio — it’s about the peace of mind that comes from knowing you have a professional navigator managing the complexities of your financial life. Our goal is to provide a “Return on Life,” ensuring your capital is always aligned with your most important personal goals.
