SEC Registered Investment Advisor · FINRA Member · Fiduciary Standard · All accounts held at Schwab Institutional
Meridian Wealth — fiduciary financial advisor meeting with clients
Fiduciary Advisors — Always Acting in Your Interest

Your Wealth,
Strategically Protected.

Meridian Wealth Advisors serves high-net-worth individuals, families, and business owners with independent, fee-only fiduciary financial planning and investment management. No commissions. No conflicts.

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All consultations are strictly confidential. We are a fee-only fiduciary — no commissions, ever.
$2.8B
Assets Under Advisement
28+
Years of Experience
340+
Client Families Served
100%
Fee-Only Fiduciary
SEC Registered
Forbes Top Advisor
NAPFA Member
Fee-Only, No Commissions
FINRA Registered
What We Do

Comprehensive Wealth Services

We provide integrated financial guidance across every dimension of your financial life — not just investments.

Investment Management

Disciplined, evidence-based portfolio construction using low-cost funds, tactical allocation, and tax-loss harvesting.

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Retirement Planning

Comprehensive retirement income strategy including Social Security optimization, withdrawal sequencing, and longevity planning.

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Business Owner Services

Exit planning, business valuation, deferred compensation, key-man insurance, and succession strategy for business owners.

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Estate Planning

Coordinating with your estate attorney on wills, trusts, power of attorney, beneficiary alignment, and generational wealth transfer.

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Tax Planning & Strategy

Year-round proactive tax planning including Roth conversions, capital gain harvesting, charitable strategies, and tax-efficient withdrawals.

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Risk & Insurance Review

Comprehensive review of life, disability, long-term care, and liability insurance coverage to ensure your plan is protected.

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Our Philosophy

Evidence-Based. Client-First. Always.

We believe wealth management should be grounded in academic evidence, not market speculation or product sales. Our investment philosophy draws from decades of peer-reviewed finance research to build portfolios that capture long-term market returns with controlled risk.

As a fiduciary, we are legally and ethically required to act in your interest at all times. We accept no commissions, no referral fees, and no third-party incentives. Our only compensation comes from the fees you pay us — creating a relationship built entirely on alignment.

01 Fiduciary Duty
02 Fee-Only Model
03 Evidence-Based Investing
04 Tax Efficiency First
Meridian Wealth Advisors office — investment research and planning
Our Advisors

Expertise You Can Trust

Our team of CFP professionals, CPAs, and CFA charterholders brings specialized expertise across wealth management, tax, and estate strategy.

Victoria Ashford, CFP, CPA

Victoria Ashford, CFP, CPA

Founder & Managing Partner
Wealth Strategy & Tax Planning
CFP, CPA, NAPFA Member

Former VP at Goldman Sachs Private Wealth. Founded Meridian in 1997 to deliver independent, conflict-free advice to high-net-worth families.

James Whitmore, CFA

James Whitmore, CFA

Chief Investment Officer
Portfolio Management & Research
CFA Charterholder

Former portfolio manager at Vanguard. Leads investment research, asset allocation, and portfolio construction for all client accounts.

Priya Ramachandran, CFP

Priya Ramachandran, CFP

Senior Financial Planner
Retirement & Estate Planning
CFP, RICP

Specializes in retirement income strategy and estate coordination. Works with clients at and near retirement to optimize income and legacy planning.

David Chen, CFP, MBA

David Chen, CFP, MBA

Business Owner Specialist
Exit Planning & Business Succession
CFP, CEPA, MBA

Dedicated to business owners planning transitions. Expert in deferred compensation, buy-sell agreements, and business exit optimization.

Our Process

A Disciplined Path to Financial Clarity

01

Discovery Meeting

We begin with a confidential 90-minute conversation to understand your complete financial picture, goals, and concerns.

02

Financial Analysis

We conduct a thorough review of your assets, liabilities, cash flow, insurance, taxes, and estate documents.

03

Custom Financial Plan

We present a comprehensive written financial plan with specific, actionable recommendations across all planning areas.

04

Portfolio Construction

We build and manage a diversified, tax-efficient investment portfolio aligned to your risk tolerance and time horizon.

05

Ongoing Partnership

We meet quarterly to review progress, adapt to life changes, and refine your plan as your circumstances evolve.

Results Over Time

A Track Record Built on Discipline

7.2%
Conservative Portfolio
10-yr avg annual
9.4%
Balanced Portfolio
10-yr avg annual
11.6%
Growth Portfolio
10-yr avg annual
97%
Client Retention Rate
annually

Past performance does not guarantee future results. Returns are hypothetical composite figures for illustrative purposes only.

Client Stories

Relationships Built on Results and Trust

“

Victoria and her team did in one meeting what our previous broker had failed to do in five years. Our entire financial life was reorganized, our tax bill dropped by $84,000 in year one, and we finally feel in control of our future.

Robert & Ellen Kim
Robert & Ellen Kim
Retired Executive Couple, 12-year clients
Portfolio
$4.2M
“

David guided me through selling my business — a $14M transaction. The tax planning alone saved me more than $1.2M. I have since transitioned all my family's wealth to Meridian. Their expertise is simply unmatched.

Sandra Torres
Sandra Torres
Business Owner & Entrepreneur
Portfolio
$8.7M
“

After being passed from advisor to advisor at our brokerage, the peace of mind that comes from a true fiduciary is priceless. Priya has made our retirement transition completely seamless. We have never felt more financially secure.

James & Maria Okafor
James & Maria Okafor
Pre-Retirees, 7-year clients
Portfolio
$2.8M
Who We Serve

Designed for High-Net-Worth Families

We work best with clients who have significant complexity and want a deeply engaged, personalized advisory relationship.

Premier
$500K
Minimum Investable Assets
1.00% AUM
on first $2M
  • Dedicated CFP advisor
  • Annual financial plan
  • Quarterly portfolio review
  • Tax-loss harvesting
  • Basic estate coordination
  • Insurance review
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Most Popular
Private Wealth
$2M
Minimum Investable Assets
0.75% AUM
blended all-in rate
  • Dedicated CFP + CFA team
  • Comprehensive financial plan
  • Quarterly meetings
  • Advanced tax planning
  • Full estate plan coordination
  • Insurance & risk audit
  • Business owner services
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Family Office
$10M+
Minimum Investable Assets
Custom
all-inclusive fee
  • Dedicated advisor team
  • Multi-generational planning
  • Bill pay & household admin
  • Philanthropic strategy
  • Trust administration support
  • Concierge tax coordination
  • Family governance planning
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FAQ

Common Questions

A fiduciary is legally required to act in your best interest at all times. Unlike broker-dealers who operate under a lesser suitability standard, our fiduciary duty means we must always recommend what is best for you, not what generates the best commission.

We are fee-only advisors. We charge a percentage of assets under management. We accept no commissions, kickbacks, or referral fees of any kind. Our interests are completely aligned with yours.

We use evidence-based, low-cost, globally diversified investment strategies grounded in academic research. We believe in capturing market returns efficiently rather than speculating on individual stocks or trying to time markets.

All client assets are held at Charles Schwab Institutional — one of the largest and most secure custodians in the world. Meridian Wealth never takes custody of client assets.

Our Premier service starts at $500,000 in investable assets. For families with complex needs, our Private Wealth service starts at $2M. We occasionally make exceptions for younger clients with strong income trajectories.

Premier clients have a dedicated advisor and meet formally at least once per year for a full review. Private Wealth and Family Office clients meet quarterly and have unlimited access for questions between meetings.

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Your Financial Future Starts Here

Your initial consultation is confidential and completely free. We will discuss your situation, explain our approach, and determine whether we are the right fit — with no obligation.

+1 (415) 555-0188
advisors@meridianwealth.com
101 California Street, Suite 3800, San Francisco, CA 94111
Mon – Fri: 8:00 AM – 5:30 PM PT
SEC CRD #168492

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