Business Details
14 Years
experience
Comprehensive Financial Planning & Investment Services in Virginia
At Crestone Financial Advisors, we operate as a dedicated fee-only financial planning firm committed to providing comprehensive wealth management solutions. Founded in 2012 by Micah Reish, a former registered representative with a Bachelor of Science in Economics from Bridgewater College, our firm prioritizes fiduciary responsibility and client-centric service. We specialize in holistic financial planning, addressing key areas such as retirement, tax, risk management, and estate planning while emphasizing investment strategies rooted in diversification, tax efficiency, and evidence-based research from industry leaders like Eugene Fama and Kenneth French.Our technology-driven approach consolidates complex financial data into actionable insights, enabling clients to visualize their financial roadmap with clarity. As independent advisors registered in Virginia, we serve clients nationwide through virtual tools and in-person visits, maintaining transparency in all-in costs and offering initial consultations at no obligation. Our philosophy rejects product sales, ensuring unbiased advice aligned with clients long-term goals.
Services
Retirement Planning
Tax Planning
Cash Flow Analysis
Risk Management
Investment Management
Estate Planning
Details
- Year established: 2012
Highlights and features
- We operate as a fiduciary, prioritizing client interests above all.
- Our investment strategies are grounded in Nobel Prize-winning research.
- Personalized financial roadmaps tailored to individual goals and circumstances.
- Transparent fee structure with no product commissions or hidden costs.
- Nationwide service delivery through virtual platforms and in-person meetings.
Associations and certifications
- Registered Investment Adviser (RIA)
Services
Retirement Planning
We develop personalized retirement strategies considering income sources, expense projections, and risk tolerance. Our plans integrate tax-efficient withdrawal methods and Social Security optimization to ensure long-term financial security. Clients receive ongoing adjustments aligning with market changes and life events.
Tax Planning
Our tax-efficient strategies minimize liabilities through proactive planning, including retirement account conversions, tax-loss harvesting, and strategic income allocation. We coordinate with accountants to ensure compliance while maximizing after-tax returns within comprehensive financial frameworks.
Investment Management
We implement diversified portfolios focused on low-cost index funds and evidence-based asset allocation. Strategies emphasize tax efficiency, fee minimization, and long-term trend analysis guided by academic research rather than market timing.
Estate Planning
Our estate planning coordinates legal documentation, beneficiary designations, and trust structures to ensure efficient asset distribution. We collaborate with attorneys to address tax implications and create seamless legacy planning aligned with client values.
Risk Management
We assess insurance needs including life, disability, and long-term care coverage. Recommendations focus on mitigating financial risks while avoiding redundant or unnecessary policies, ensuring protection complements broader financial objectives.
People
Micah Reish
Founder & Financial Planner
Micah Reish founded Crestone Financial Advisors in 2012 after seven years as a registered representative. With a Bachelor of Science in Economics from Bridgewater College and extensive experience in fiduciary financial planning, he specializes in evidence-based investment strategies and holistic wealth management for individuals and families.
Questions
Are you a fiduciary financial advisor?
Yes, we act as fiduciaries at all times, legally obligated to prioritize client interests over any third-party compensation.
How are your services compensated?
We charge either asset-based fees (0.25% quarterly for first $1M), flat fees, or hourly rates with no commissions or product sales.
Do you offer virtual consultations?
Yes, we conduct virtual meetings nationwide using secure platforms and occasionally travel to meet clients in person.
What investment philosophy guides your strategies?
Our approach follows modern portfolio theory with emphasis on diversification, tax efficiency, and academic research from Nobel laureates like Fama and French.
Can you assist with 401(k) and other retirement accounts?
Yes, we incorporate workplace retirement plans into comprehensive asset allocations and optimize tax-efficient distribution strategies.
What happens during the initial consultation?
The first meeting (free of charge) explores your financial situation, goals, and our shared philosophy to determine mutual compatibility.
