Comprehensive financial plan
Full plan covering cash flow, investments, tax, insurance, and estate, delivered in six weeks.
Fee only fiduciary firm
We sell advice. That is the whole business
No commissions, no insurance products, no revenue from anyone but you. What we recommend has no upside for us either way.
16 yrsadvising
$0commission income
180planning households
4CFP professionals
How we work
Planning by project or on retainer
You choose the engagement type, and the fee is stated before any work begins.
Ongoing planning retainer
Continuous planning with quarterly meetings and unlimited questions between them.
Retirement income analysis
Withdrawal sequencing, Social Security timing, and Roth conversion modeling.
Equity compensation review
RSU, ISO, and ESPP decisions with the AMT and concentration risk laid out.
Investment management
Low cost index portfolios, rebalanced and tax managed, optional and never required.
One time second opinion
We review a plan or portfolio you already have and tell you what we would change.
About the firm
Registered as an investment adviser, not a broker
Stonebridge was founded in 2009 by Marcus Delaney after a decade at a wirehouse where the product of the month drove the conversation. The firm is a registered investment adviser held to a fiduciary standard at all times, and every planner here holds the CFP certification. We do not accept referral fees from anyone.
•Fiduciary duty at all times, in writing in the agreement
•No commissions, referral fees, or product revenue of any kind
•Investment management is optional, planning stands alone
•Form ADV Part 2 provided before any engagement
Reviews
Client experiences
“They told me not to buy the annuity my last advisor was pushing and explained exactly why, with the numbers.”
Roberta E., Retired teacher, Middleton
“The RSU planning alone saved us more in taxes than four years of their fee. We had been exercising blind.”
Ajay and Priya S., Tech household, Madison
“We came in thinking we could not retire until seventy. The plan showed sixty five was realistic and what would have to be true.”
Doug W., Sun Prairie
FAQ
Questions about working with us
What does fee only actually mean?
It means our entire revenue comes from fees you pay us directly, and none from commissions, product sales, or referral arrangements. A fee based advisor can still earn commissions, which is a different thing despite the similar name. Ask any advisor how they are compensated and get the answer in writing.
Do I have to move my investments to you?
No. Roughly a third of our planning clients keep their accounts exactly where they are, including in an employer plan we cannot touch. Planning and investment management are separate engagements here, and we will give you the allocation guidance to implement yourself if you prefer.
Is there a minimum to work with you?
There is no asset minimum for planning engagements, which is deliberate, since people early in their careers often need the advice most. Investment management carries a minimum annual fee that makes it impractical below roughly two hundred thousand dollars, and we will say so plainly.
What happens in the first meeting?
It is a free hour where you describe your situation and we describe how we would approach it, with no data gathering and no pitch. If we go forward you get a written engagement with the scope and fee before anything else. If we are not the right fit, we will name firms that are.
Contact
Start with a conversation
The first call is an hour at no cost. Bring your questions rather than your statements.
Phone(608) 555-0111
Address440 Science Drive, Suite 220, Madison, WI 53711, Madison, Wisconsin
HoursMon to Thu 8:30am to 5pm, Fri 8:30am to 1pm
AreaMadison, Middleton, Sun Prairie, and virtual clients nationwide