Unified portfolio
Brokerage, retirement, and held-away accounts in a single view.
Clarity compounds
Being better than a wirehouse means more transparency, lower fees, and smarter tools — without losing the human advisor who knows your name.
Apply for membershipSchwab Institutional custody · FDIC cash sweep · SIPC protected · SOC 2 aligned practices
0Assets under advice
0Member households
0.35%All-in advisory fee
9 yrsIn business
Built for what comes next
We started Ledger North because professionals deserved a better way — to consolidate scattered accounts, invest with evidence instead of ego, pay one clear fee, and still talk to an advisor who remembers your goals.
Good morning, Alex
All accounts
Net worth
$0
+8.2% YTD
Ledger North Platform
See spending, saving, and investing in one place
Holdings, performance, tax lots, and planning scenarios — refreshed daily. Less tab-switching. More knowing where you stand.
- Automatic aggregation across custodians
- Benchmark comparison & drift alerts
- Scenario modeling before you act
More capability. Less complexity.
Everything you'd expect from a modern wealth platform — without the wirehouse markup.
Direct indexing
Own the underlying stocks above $1M for tighter tax control.
Cash reserve
Competitive sweep rates on idle cash — no separate app required.
Tax-loss harvesting
Automated harvesting when it helps — reviewed by your advisor.
Retirement planning
Project income, model Roth conversions, stress-test timelines.
Secure messaging
Reach your CFP® async — no phone tree, no ticket number.
Portfolios built for the long run
Evidence-based allocation. Rebalanced on schedule. Adjusted when your life changes.
North Balanced
Diversified global stocks and bonds — low cost, disciplined, set-and-monitor.
- 60/40 to 80/20 glidepaths
- ETF-based implementation
- Quarterly rebalance
North Direct
Direct indexing for tax efficiency — long-term growth with smarter after-tax returns.
- Individual securities above $1M
- Custom ESG exclusions available
- Active tax overlay
North Reserve
Designed for drawdown — income-focused allocation with capital preservation in mind.
- Withdrawal rate modeling
- Municipal bond options
- Cash-flow planning
Ledger North Advisory
Work with an advisor who actually advises
Not a call center script. A named CFP® who builds your plan, explains the trade-offs, and picks up when markets get weird.
- Financial plan included — not upsold
- Estate & equity comp coordination
- Video or in-person reviews
Tax strategy
Keep more of what you earn
Smart investing isn't just picking funds — it's managing taxes across accounts, years, and life events.
Loss harvesting
Systematic reviews to offset gains where appropriate.
Roth conversions
Model bracket impact before you convert.
Asset location
Place tax-inefficient holdings in the right accounts.
RSU & options
Timing and diversification guidance for equity comp.
Every account type you need
Open new accounts or roll over old ones — we handle the paperwork.
Transfer accounts in days, not months
Moving from a big bank or old advisor shouldn't feel like a second job. We coordinate ACAT transfers, roll overs, and cost-basis migration — and keep you updated at every step.
Start a transfer →Three steps to clarity
Apply
10-minute form. We review fit — $500K minimum, long-term horizon.
Plan
Your advisor builds a plan you approve before anything moves.
Grow
We implement, monitor, and rebalance. You watch the dashboard.
Security & privacy
Your money. Your data. Protected.
Custody
Assets held at Schwab Institutional — not on our balance sheet.
Encryption
TLS in transit, encryption at rest, MFA on every login.
Access
Role-based controls. Advisors see what they need — nothing more.
Privacy
We don't sell your data. Period.
Estate & legacy
Plan beyond the portfolio
Beneficiary reviews, trust coordination, and equity event planning — included for members, not sold as an add-on package.
- Beneficiary alignment across accounts
- Trust & estate attorney coordination
- Gifting & generation-skipping strategies
0.35% all-in
One transparent fee on assets under advice. No trade commissions. No hidden fund markups. $500K minimum.
Wirehouse1.0–1.5%
Robo + CFP0.5–0.7%
Ledger North0.35%
Includes financial plan
Includes tax strategy
Includes estate review
No performance fees
Trusted by professionals who've outgrown the bank
"Finally, a dashboard that doesn't make me feel stupid — and an advisor who returns calls."
Dr. Priya M., surgeon · since 2021
"They consolidated four accounts in a week. Tax-loss harvesting alone saved more than the fee."
James K., founder · since 2019
"I wanted someone who'd push back when my ideas were bad — not just agree with everything."
Elena R., partner · since 2022
"The Roth conversion model alone was worth the switch. Clear numbers, no jargon."
Michael T., physician · since 2020
Common questions
What's the minimum to join?
$500K in investable assets and a long-term horizon. We review every application for fit.
How is Ledger North different from a robo-advisor?
You get software efficiency plus a dedicated CFP® — planning, tax strategy, and human judgment when markets or life get complicated.
Can I keep my existing accounts?
Yes. We aggregate held-away accounts and can transfer in taxable, IRA, and trust accounts via ACAT.
What does the 0.35% fee cover?
Investment management, financial planning, tax-aware strategy, and ongoing advisor access. No trade commissions on our platform.
Is my money safe?
Securities are custodied at Schwab Institutional with SIPC protection. Cash sweeps participate in FDIC programs.
The Ledger Brief
Markets, policy, and enough context to sound smart at dinner
A concise weekly note from our research team — no hype, no hot takes.
Start with a conversation
Tell us about your situation — accounts, goals, timeline. If we're a fit, we'll schedule a 30-minute intro with an advisor. No obligation, no pressure.
- Response within one business day
- No commitment required
- Transfer support if you join