Fee-only financial advisor · Working with clients across the country
Perfetta Capital is an independent, fee-only advisor for individuals and families. We listen to what matters to you, then tailor a portfolio and a financial strategy designed to stand the test of time.
What we do
The plan tells us what the money has to do. The portfolio is built to do it. One fee covers both.
Discretionary management of globally diversified portfolios, built from the market down and tilted toward the characteristics research links to higher expected returns.
For people building toward retirement or already there, who want to know how the pieces fit and what has to be true for it to work.
Own a business? We also consult on small-business retirement plans. Learn more.
Our investment philosophy
We don’t predict markets or pick stocks. We rely on what decades of academic research say about how markets work, and we implement it at low cost.
Hold thousands of companies across the U.S., developed and emerging markets. No single stock, sector or country decides your outcome.
Historically, smaller, lower-priced and more profitable companies have earned higher returns on average over long periods. We lean portfolios in that direction.
Low fund expenses, low turnover and careful account placement keep more of the return with you.
No market timing. We rebalance to the plan and keep you focused on it when headlines make that hard.
Read the full investment philosophy
Investing involves risk, including possible loss of principal. Historical patterns are not a promise about the future, and a tilt toward these characteristics can trail the broad market for years.
Sound familiar?
Five to ten years out
“We’ve saved well. We just don’t know if it’s enough, or how to turn it into a paycheck.”
We map your income, spending, taxes and Social Security timing into one written plan, then build the portfolio to fund it.
Accounts everywhere
“I have a 401(k), two IRAs and a brokerage account, and I’m not sure any of it fits together.”
We look at every account as one portfolio, simplify where it helps, and decide what belongs in which account.
Newly retired
“The paychecks stopped. Now every withdrawal feels like a decision.”
We set a withdrawal strategy, decide which accounts to draw from and when, and keep a portfolio built to support it.
Illustrative situations, not actual clients.
How it works
Every relationship follows the same four steps. You always know what happens next, and nothing moves until you say so.
A short conversation about what prompted you to reach out. We explain how we work and what we charge.
We gather your accounts, goals and timeline in RightCapital and learn how much loss you can live with.
We present a written plan and a recommended portfolio. You decide whether to move forward.
We implement, monitor your portfolio regularly, and meet with you at least once a year and whenever your life changes.
See the full process and your first 90 days
Timelines are typical, not guaranteed, and depend on how quickly account information is gathered.
Fees
Most advisors make you ask. We publish ours. One annual rate on the assets we manage covers investment management and financial planning, with no commissions and no account minimum.
| Assets we manage for your household | Annual rate |
|---|---|
| First $3,000,000 | 1.00% |
| Next $2,000,000 (from $3M to $5M) | 0.80% |
| Above $5,000,000 | 0.60% |
Tiered: each rate applies only to the assets within its band. Fund expenses are separate. Full terms are in our Form ADV Part 2A.
One advisor.
Every plan, every portfolio, every review.
Your advisor
Perfetta Capital is a one-advisor firm by design. Michael Brooks has advised families since 2008. He builds every plan, manages every portfolio and sits in every review meeting. No hand-off to a junior associate, no call center.
Most clients work with Michael entirely by Zoom and phone, from wherever they live. Reviews happen on screen with your plan and portfolio in front of you both, most paperwork is signed electronically, and between meetings your plan lives in RightCapital and your accounts are one tap away on Altruist. The firm is based in Gainesville, Georgia.
Before finance, Michael trained as a professional violist. He still runs the firm the way a musician prepares a piece: fundamentals first, repeated with discipline, played at the right tempo.
What the viola taught him about moneyIs this a fit?
A small firm works best when we’re honest up front about who we serve well.
Watch before you call
Market updates, planning ideas and our investment philosophy, on video. New posts about twice a month.
Free download
This year’s contribution limits, catch-up rules and key thresholds for IRAs, 401(k)s and more, on one page.
For general education only. Not personalized advice.
We are fee-only. Perfetta Capital is paid by clients through a published annual advisory fee based on the assets we manage, billed monthly. We do not earn commissions on anything we recommend, so our advice isn’t tied to selling a product. Full terms are in our Form ADV Part 2A.
Very likely. Many of our clients live outside Georgia and work with us remotely. Perfetta Capital is a Georgia-registered investment advisor and can advise clients in states where it is registered, exempt, or excluded from registration. Tell us where you live on the intro call and we’ll confirm before you commit to anything.
No. Most clients work with us entirely by Zoom and phone. Reviews happen on screen with your plan and portfolio shared, most paperwork is signed electronically, and your plan and accounts are available online between meetings.
No. There is no minimum account size to open or keep an advisory account with us. What matters more is fit: we do our best work for families who want a written plan and a disciplined, long-term portfolio.
Your accounts stay in your name at an independent custodian, Altruist or Charles Schwab. Perfetta Capital directs the investments but never takes possession of your money. You can log in and see balances, activity and statements at any time.
Michael Brooks, directly. Perfetta Capital is a one-advisor firm by design, so the person who builds your plan is the same person who manages your portfolio and sits across from you at every review.
It’s a short conversation. We ask what prompted you to reach out and what you want to get right, explain how we work and what we charge, and answer your questions. If it looks like a good fit, we’ll suggest a next step. If it isn’t, we’ll tell you, and point you somewhere better if we can.
Next step
Start with a short intro call. Tell us what prompted you to reach out, ask anything you like, and leave with a clear sense of whether working together makes sense. No preparation needed.
