The most productive wateris closest to shore.
Littoral Wealth Management is an independent fiduciary RIA built where three decades of advisory judgment meets the edge of what software can actually do. Your plan lives in your pocket. Your assets stay in custody. Your advisor answers.
Nine minutes.
Not nine days.
A native React Native app for iOS and Android, built in-house rather than licensed from a vendor. Prospective clients download it before they ever sign anything — open an account, see their whole balance sheet, and touch their plan on day zero.
Onboard before you close the app
Identity verification, account linking, risk profiling, and a countersigned advisory agreement in one sitting. The ACAT transfer is submitted to LPL before you put the phone down.
One number for the whole household
Every account, entity, and trust — held-away assets included — rolled into a single live balance sheet. Positions refresh from custody, not from a screenshot you emailed us.
A plan you can put your thumb on
Move retirement age, spending, or legacy goal and watch the projection redraw in under a second. No appointment required to ask a what-if question.
The vault, and the direct line
Wills, trusts, deeds, and powers of attorney encrypted and findable. Message your advisor directly — archived for compliance on our side, instant on yours.
Five disciplines.
One fiduciary standard.
Advisory, planning, and the harder, less glamorous work most firms hand off — serving as trustee, as executor, as the person holding the power of attorney when it matters.
Wealth Management
Discretionary portfolio management with custody at LPL Financial. Allocation built to a written policy, rebalanced on rules rather than on nerve.
Advisory fee · billed quarterlyFinancial Planning
Cash flow, tax, insurance, education, and retirement modeled continuously — not delivered once as a binder that goes stale on a shelf.
Included · reviewed quarterlyPrivate Fiduciary Services
We serve as private trustee, executor, and attorney-in-fact. When a family needs an independent, licensed, bonded party to hold the pen — that is us, not a bank trust department three states away.
Engagement-basedMulti-Generational Family Office
One coordinated view across parents, children, trusts, and entities. Governance, education, and continuity so the plan survives the people who wrote it.
Households · $10M+Client Dashboards
Custom Next.js and Supabase reporting built for your specific holdings and entities. Because the vendor's default report has never once answered the question you actually asked.
Built in-houseGet Lit
A free, interactive financial literacy campaign — no lead form, no drip sequence. Because a public that understands compounding and fee drag is a better public to advise.
Free · alwaysWe built the plumbing ourselves.
Most advisory firms rent their entire technology stack and hope the vendor's security page is accurate. We own ours down to the hardware, and we can tell you exactly where your documents sit tonight.
Your assets are never ours to hold
Custody and clearing sit with LPL Financial, member FINRA/SIPC. We direct; a separate regulated custodian holds. That separation is the single most important control in this industry.
Documents parsed on hardware we own
Statement and tax-document parsing runs on local infrastructure inside a private network — not shipped to a third-party model API. Your 1099 does not become someone else's training data.
Edge-hardened, zero-trust network
Edge security and DNS hardening in front, private subnet routing behind, dedicated credential custody, hardware keys for every principal. No shared logins. Ever.
Every word archived
Electronic communications captured and retained through a supervised archiving platform, in line with books-and-records requirements. Compliance is a feature of the architecture, not a quarterly scramble.
Encrypted in transit and at rest
TLS 1.3 end to end, row-level security on every client record, and per-household data isolation. Access is scoped to the advisor on your household, and every read is logged.
Independent, so incentives stay clean
No proprietary products, no house fund, no quota. The advisory fee is the business model, disclosed in plain English in Form ADV Part 2A and again on your statement.
to someone else's model.
Get Lit.
An open, interactive financial literacy campaign. No email gate, no funnel, no "download our free guide." Short, sharp, playable lessons on the things that quietly decide whether a household ends up wealthy — fee drag, sequence risk, tax location, the actual math of compounding.
We would rather earn a client who already understands what we are doing.
Explore the lessonsThree advisors.
One last name.
Family firms have a structural advantage nobody markets: the reputational cost of a bad decision is permanent and personal. Ours is on the door.
James Hembling
Founded Littoral after years inside the wirehouse model, convinced the technology clients deserved would only get built if an advisor built it. Writes the firm's software himself.
Mark Hembling
Series 7 and 66. Long-tenured relationships spanning multiple generations of the same households — the kind of continuity that cannot be recruited, only kept.
Matthew Hembling
Series 7 and 66. Focused on planning-led relationships and the private fiduciary practice — trustee, executor, and attorney-in-fact engagements.
Start in the shallows.
We will handle the depth.
Download the app and see your entire financial picture in about nine minutes — before you commit to anything, and before you speak to a single person.
Or email us — hello@littoralwealth.com