Cadence9

Cadence9 is a fee-only advisory and wealth management firm that offers risk-appropriate, returns-optimized, globally-diversified, and tax-managed investment strategies while adhering to a fiduciary standard of care. Established in 1999 and based in Irvine, California, Cadence9 operates as a Registered Investment Adviser with the U.S. Securities and Exchange Commission. The firm provides investment advice to a wide range of clients, including individuals, trusts, corporations, non-profits, and various institutions, managing accounts such as IRAs, 401(k)s, 403(b)s, pensions, and endowments. Cadence9 specializes in creating tax-managed portfolios composed of index funds, emphasizing the importance of acting in the best financial interests of clients, in compliance with fiduciary obligations. This commitment goes beyond the suitability standard followed by non-RIA firms. The company encourages clients to build a comprehensive wealth management team, consisting of an RIA, Estate Planning Attorney, CPA, and fee-only fiduciary Insurance Advisor. For employer-sponsored retirement plans, Cadence9 serves as a 3(38) investment manager, reinforcing its fiduciary responsibility as enforced by the Employee Retirement Income Security Act (ERISA). The firm believes that trust is fundamental in the financial services industry, emphasizing careful management of clients' resources. To determine optimal portfolio returns, Cadence9 assesses each investor's unique risk capacity, measured by a risk capacity score. The firm also provides hypothetical back-tested performance data for its index portfolios, while noting that it does not include trading costs or taxes in its performance metrics.