For people who have managed their own money for years and are ready to hand it off. Right now those four things probably sit with three different people, or with you. Masonboro Advisors brings them under one roof, so retirement stops coming with homework.
Request More Information →Listen to Bryce Edmister, CFP®, part of our leadership team, explain how we help people hand off their retirement.
Answer a few short questions and Bryce will give you a call to set up a consultation, in person at our Wilmington office or by phone, whichever you prefer.
Many of the people who sit down with us ran their own portfolio for twenty or thirty years. They are the reason it grew into what it is now.
Nothing went wrong. They are simply done with the job. And it is a job, one they never applied for.
You do not need a crisis to be finished managing your own portfolio. It usually comes down to one of three things, and none of them is a problem.
More accounts, more moving parts, more rules that changed while you were not looking. What you once enjoyed became a chore.
Forty years of work ended on a Friday. The financial admin did not. Plenty of people would rather spend those hours elsewhere.
You know why you own what you own. Does anyone else in the house? Planning for the day you are not the one running it is reasonable.
Every consultation is built around your situation and covers the same four areas we manage for every client.
We run your situation through planning software, so "do I have enough" becomes a number instead of a feeling.
We read the return itself. Whether a Roth conversion fits this year. What required minimum distributions (the withdrawals the IRS makes you take starting at 73, or 75 depending on your birth date) will do to your bracket. And whether you are near a Medicare premium surcharge, triggered by your income from two years earlier.
How much of the portfolio rides on a handful of holdings, and the full cost once every layer is counted: the advisory fee, the fund expense ratios underneath it, and any outside manager taking a second cut.
Where the transfer could lose money to taxes, probate (the court review before anyone inherits) or a drawn out settlement, and what an attorney would need to change. We do not draft wills or trusts. We work alongside your attorney, or recommend one locally.
These are not four separate subjects. A withdrawal decision is a tax decision, and a tax decision shows up in a Medicare premium two years later. That is why we do all four under one roof.
Your account is held at Charles Schwab, Fidelity or Goldman Sachs, the custodians that hold the assets and report on them. Masonboro never has your money. We manage what is inside the account.
It is the same institution behind an account at a large national firm. What is different is who manages it and who picks up the phone.
Every service those custodians offer is available through us, and our institutional partners open doors most people never hear about.
One example: a corporate trustee through Charles Schwab at roughly 0.5%, where local banks generally want $5 to $10 million and charge considerably more.
Hire us on a Friday, walk in Monday and say you made a mistake. No problem. There is no term and no contract.
The fee is disclosed up front, before anything is signed, and your Masonboro Advisors client portal shows the whole picture in one view.
Retirement planning, taxes, investments and estate each have people on our team who do that work every day, under one roof in Wilmington. They work on your situation together instead of passing it down a line.
Ryan Burton, the firm's senior principal, heads it. He spent five years as a trust officer at one of the largest banks in the country, which is where our estate work comes from. Bryce Edmister, CFP®, is who you would sit down with. He reads the return, runs the scenarios and walks you through what he finds, with no handoff afterward.
Tax work is done in house by our own tax team, including a CPA, through our affiliate Masonboro Tax Advisory Corp. Trading is done here too. You are not hiring one advisor with a support staff. You are hiring the firm.
Bryce gives you a call. He will ask a few questions about where things stand and set up a consultation, either in person at our Wilmington office or by phone, whichever suits you.
Yes. We are a local firm and you are welcome to stop in and talk to us instead of filling out the form. Our office is at 5815 Oleander Dr, Unit 260, Wilmington, NC 28403, open Monday to Friday, 9 AM to 5 PM. You can also call us at (910) 742-0509.
No. The consultation is free and there is nothing to sign. If what you have already looks right, you will hear that, and it happens more often than people expect.
No. Bring it if it is handy, since reading the return is what makes the tax discussion specific. If you would rather send it later, or not at all, we will still get somewhere useful.
No, it is the most common situation we see. A consultation obligates you to nothing, and you do not have to tell anyone you talked to us.
If you did move, our team handles the transfer, usually in five to ten days. You never have to make that phone call yourself.
No. We build portfolios here from individual stocks and bonds, using ETFs and interval funds only where your situation calls for them. We leverage our institutional partners for research, place our own trades, and review portfolios daily.
You can look at your account and recognize the names in it, the same way you can now. Before anything changes, we talk through what we would do and why.
At Charles Schwab, Fidelity or Goldman Sachs, not at Masonboro. The custodian holds the assets. We manage the portfolio.
No. We are not a law firm. We read what you have, show you where it could cost your family, and coordinate with your attorney, or recommend one locally.
You have been the one holding it all together, and you did it well. Tell us about your situation and Bryce will call to set up a consultation on your plan, your taxes, your investments and your estate, and how they affect each other.
It is free, nothing gets signed, and what you do afterward is your decision.
Request More Information →
Prefer to talk in person?
We live and work here, and we have a reputation in this town to protect. You are welcome to walk in and talk to us.
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Investment advisory services are offered through Glasgow & Associates, LLC, d/b/a Masonboro Advisors (“Masonboro”), an investment adviser registered with the Securities and Exchange Commission. Additional information about Masonboro is available on the SEC’s website at www.adviserinfo.sec.gov.
The content displayed herein is for general informational purposes only and does not constitute investment, accounting, legal or tax advice to the viewer, nor is it an offer to sell securities. Masonboro provides tax and estate planning advice that is incidental to the investment advice it provides to its clients. Additional tax services and insurance services are offered through our affiliates Masonboro Tax Advisory Corp. (“Masonboro Tax”), and Quotey, LLC, respectively. Masonboro is not a law firm and does not provide legal advice. Masonboro will coordinate with any other tax, accounting or legal professional a client may choose.
* Wilmington Magazine recognized Masonboro as “Best of Wilmington” each year from 2022 through 2026, based on rating periods of the same year for each recognition.
Masonboro has not paid any compensation, directly or indirectly, in connection with obtaining or using this rating. This recognition is not indicative of future performance or investment success.
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