Invested Together.
Independent, fee-only wealth management from founders who are clients one and two.
Concierge service, personalized portfolios, & one transparent fee backed by true reciprocity: clients participate if we ever sell the business.
An independent, fee-only adviser.
Fiduciary, First
Reciprocal Wealth serves as a fiduciary to its clients. We are legally obligated to prioritize clients' financial interests ahead of our own — without exception.
Who We Help
We provide holistic investment advice and financial-planning services to affluent individuals and families. Planning is scaled to each client's need. Working professional or retiree, we'll craft a plan for you.
Single Stream
We do not accept commissions. We do not sell product. We do not engage in any transactional business. We derive 100% of our revenue from a single, monthly fee on the assets that we manage for you.
Relentlessly aspire to deliver the best for our clients.
Innovate fearlessly, learn constantly, and persevere tenaciously.
Boring is Best
We apply time-tested investing principles and help you resist the "siren's song." No trendy strategies, no chasing headlines — just disciplined, evidence-based investing.
Customer First
We treat each client with thought and care. When clients speak, we listen. Your interests come before our own — always.
Deliver Value
We earn our fee by meeting the evolving needs of our clients. If we're not adding value to your financial life, we haven't done our job.
Never Settle
We never stop learning, growing, and building together. The financial world changes, and so do your needs. Our goal is to stay ahead of both.
Simple, by design.
Asset Allocation
Bespoke risk-weighted portfolios of low-cost ETFs. Diversified across proven asset classes to mirror your risk tolerance and stated investment objectives.
Regular Rebalancing
Disciplined. Scheduled. We hold steady when the markets are not, rather than wagering on a fund manager's ability to predict the optimal points of entry and exit.
Tactical Taxation
Strategic asset location across all of your accounts. Enhanced with opportunistic tax-loss capture. Lower fees and trading costs, so your return survives the tax bill.
Investing, though rarely easy, does not need to be complicated.
Built by operators, not salesmen.
John E. Lynch, III
“Jake” · Founder & Principal
Investments & Planning
A decade plus in (or around) wealth management. Most recently, the Operating Partner at TRIA Capital, a niche private-equity firm backing fee-only wealth platforms — including Barron's Top 100¹ firms Modera, Pathstone and Plancorp. Previously, Partner and Chief Business Officer at RWA Wealth (~$20B AUM), leading strategy, analytics and M&A. Unitholder Representative in RWA's 2020 sale to Summit Partners.
- University of Virginia, Darden — MBA, Asset Management
- Bowdoin College — BA, Government & Legal Studies
- Noble & Greenough — Secondary Education
¹ Barron's 2025 Top 100 RIA Firms based on assets managed by the firms, growth, technology spending, succession planning, and other metrics.
Samuel M. Chud
“Sam” · Founder & Principal
Strategy & Marketing
Brings an outside perspective and major brand experience — from a regional quick-service restaurant to the New England Patriots. Spent a decade plus at Keurig Dr. Pepper, rising from Analyst to Manager to Director across Commercialization, Innovation, Product Management and Sales Strategy. Most recently, joined KDP's Enterprise Strategy & Transformation team, reporting directly to the Chief Strategy Officer.
- Northwestern University, Kellogg — Executive MBA, Finance
- Emory University, Goizueta — BBA with Distinction, Marketing
- Noble & Greenough — Secondary Education
Reciprocity for All
The first framework of its kind in wealth management.
True Reciprocity
If the firm is ever sold, 20% of net cash proceeds is reserved, exclusively for clients.
Participation Right²
A codified, contractual entitlement awarded to each client.
No Strings Attached
No additional investment. Not contingent on referrals or promotion.
² A client qualifies as an Eligible Participant if, through the closing of the Qualifying Event, the client: (i) has been with the firm for at least three (3) monthly billing periods; (ii) maintains more than $25,000 in assets under management with the firm; and (iii) has no outstanding and unpaid invoices.
20%
of the net cash proceeds from a sale of the firm
Reserved for clients
More ways we’re different
Invested Together
Our founders are clients number one and two. Their assets are managed by the firm with the same duty, thought, and care as your own and they pay fees like everyone else.
Modern Technology
We've adopted a modern client platform — a one-stop shop for your financial information that reduces errors and saves your time.
Fair & Transparent Fees
We keep our fee structure transparent and simple: you pay one fee to cover all services.
Start with our intake questionnaire — about 15 minutes covering your goals, finances, and how you think about risk. We'll review your answers and reach out within two business days to schedule a first meeting.
Start the questionnaire→Reciprocity for All is a codified, contractual entitlement awarded to each client that sticks with Reciprocal until a sale. If the firm is ever sold, 20% of net cash proceeds is reserved exclusively for clients — no additional investment needed. For more information, download our white paper here — download the Reciprocity for All white paper.
We are based in the suburbs of Boston, MA.
We have a transparent fee structure that bills monthly at a percentage of assets under management. For more information, please contact us at info@reciprocalwealth.com.
We meet with clients on an as-requested basis. If we don't hear from you often, we typically reach out about once per quarter to update you on performance and talk about whatever is on your mind.
Use our dedicated client portal to access all of your accounts. Click the Client Login link at the top of the page to get started.
If you have a question or would like to learn more, send us a message. We will respond as soon as we can.