Centralize the management of your wealth.

WE BUILD MODERN FAMILY OFFICE EXPERIENCES FOR EXTRAORDINARY FAMILIES.

Learn how our services can work best for you.

 

 

We exist because clients want to gain control of their wealth. Families often use incompatible systems to manage their wealth. They spread their assets across many providers, and they pay non-standardized fees. We exist to level the playing field and build a mission control for our clients.

WHY WE EXIST

WHO WE SERVE

 

 

Our clients are families with multi-generational wealth and ambitions. They want to organize and streamline decision-making, and they see the value of a centralized approach to wealth management. We serve clients with a vision for their wealth, which we help clarify and implement.

 

We review and negotiate fees, consolidate the reporting of clients’ wealth, and help our clients evaluate investment proposals. We guide the management of their wealth through a holistic approach, taking into account their family’s total wealth and all of their most important goals.  

WHAT WE DO
OUR CLIENTS

We work with individuals and families that need an accelerator as they transition into the modern world of financial services. Our tech-forward platform is designed to help them answer their most fundamental questions, and it enables them to make clear and confident decisions about their wealth.

 

Clients want to feel like they understand what they own. They want to feel confident they are making wise choices with their investments. They want to know they are getting value when they pay a fee. Our clients receive all of those things. Now, they can get back to what matters most to them.

 
 
 

OUR PROCESS

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Onboard

Securely review and model data to customize your family office technology platform.

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Discover

Document financial goals and build an investment policy statement.

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Design

Develop custom reports to answer your most fundamental questions.

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Evaluate

Analyze and evaluate all investment strategies,

 processes, and fees.

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Optimize

Negotiate better fees, construct more efficient portfolios, and structure a solid estate plan.

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ABOUT US

We empower individuals to make better financial decisions. We are planners, portfolio managers,​ advisors, and advocates.

 

Our versatile backgrounds and experiences come from time spent working within the financial industry in senior management roles and large single-family offices.

We aim to create transparency, maintain objectivity, and deliver excellent service.

 

THE TEAM

 
Ricardo L. Nazario

Founding Partner

Ricardo founded TOS Advisors in 2012 after 24 years in the financial services industry. TOS began as a single-family office representing a wealthy Latin American family. As head of the family office, Ricardo was responsible for the creation of complex investment policy statements and outlined investment parameters and benchmarks for the management of the family's wealth. He oversaw the creation of multi-jurisdictional estate planning vehicles and implemented comprehensive tax and estate plans, in coordination with over 50 cross-border tax, financial, and legal experts.

Prior to creating TOS Advisors, Ricardo spent three years at Morgan Stanley and nine years at UBS International, where he helped lead the training and development of UBS International advisors and bankers in Mexico, Switzerland, and the US. Before UBS, he spent seven years at Citibank in the U.S. and three years as an expatriate in Mexico City.

Ricardo started his career at Drexel Burnham in 1988. He holds a B.S. in finance and Spanish from Houston Baptist University. Ricardo is also an executive board member for Crime Stoppers of Houston.

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Alejandro Nazario, CFP ®

Partner

Alejandro joined TOS Advisors in 2017 and has seven years of experience in the wealth management industry. Alejandro’s original role at TOS was financial analyst for the single-family office. In his role as an analyst, he focused on investment reporting, personal expense analysis and forecasting, and art collection management.

 

Prior to joining TOS Advisors, he spent four years at UBS. While at UBS, his mandate was to build a financial planning culture for advisory teams that led primarily transactional businesses. He worked with over 100 financial advisors in the Houston area to develop scalable planning-based practices for their clients. He led the implementation of financial plan recommendations, and engaged the next generation of clients.

 

Alejandro also spent two years as a planner for a single team of advisors and serviced their 300 clients across the country. He graduated from Vanderbilt University with a B.A. in economics. He is a CFP® professional and a CFA Level III candidate.

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Raymond DiNunzio, CIMA

Partner

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Raymond joined TOS Advisors in 2019 and has 30 years of experience in financial services with concentrations in asset management, investment banking, and family office services. He served as a Managing Director for UBS Global Wealth Management, and he was a founding member of UBS Private Wealth Management division’s management team (1998 to 2016).

 

He was tasked with guiding the evolution of the group’s investment strategy and product development for the Private Wealth Management Group and Global Family Office Group for the United States. Prior to this, Raymond led the Institutional Consulting Services division for the Western United States covering pension funds, endowments, foundations and retirement plans.

 

He began his career working in institutional asset management and corporate finance. He holds a master’s degree in business administration from Colorado State University and a B.S. in business from Old Dominion University. Ray is a board advisor to StratiFi Technologies and Indrani’s Light Foundation.

Jeff Conway, CFA, CAIA

Partner

Jeff brings 25 years of financial services experience. Jeff is the Chief Investment Officer of Green Harvest Asset Management (GHAM), an SEC-registered investment advisor specializing in tax-efficient wealth management strategies. Before joining GHAM, Jeff ran his own registered investment advisory firm, Rye Global Investors (RGI).

 

Prior to RGI, Jeff was Head of Equity and Commodity Derivative Structuring for UBS in New York, where he was responsible for derivatives trading strategies and product development. Before UBS, he worked at Morgan Stanley in the Fixed Income Derivative Product Group.

 

Jeff started his career in 1994 as a fixed income trader and portfolio manager for a subsidiary of Mellon Bank in San Francisco. Jeff holds an MBA from the MIT Sloan School of Management with a concentration in financial engineering and has a B.A. in economics from the University of New Hampshire. Jeff received the CFA designation in 1997 and the CAIA Designation in 2007.

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CONTACT US

Contact TOS Advisors today to see how you can make more informed investment decisions, streamline operations, and manage your wealth seamlessly.