• Firm Profile

    Firm Profile

    We help individual investors solve their retirement planning, investment and wealth management problems. We provide professional retirement planning, investment management and wealth management services.

    We serve our clients as a fiduciary for a professional fee only. This means that we do not receive commissions or other forms of compensation for selling insurance, annuities or other investment products to you, or trading your accounts.


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  • Planning


    • Family Financial Discussions
    • Personal Wealth Education
    • Goal and Objective Setting
    • Investment Planning
    • Retirement Planning
    • Special Needs Planning
    • Incapacity Planning
    • Trust, Estate and Legacy Planning
    • Charitable Planning and Giving


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  • Analysis


    • Lifestyle Asset and Net Worth Analysis
    • Leverage and Debt Analysis
    • Risk Exposures and Insurance Analysis
    • Cash Flow Analysis
    • Retirement Income Shortfall Analysis
    • Client Risk DNA Analysis
    • Long-Term Care Cost Coverage Analysis
    • Social Security/Medicare Gap Analysis


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  • Strategy


    • Retirement Asset/Liability Study
    • Investment Risk Capacity Study
    • Critical Path Study
    • Asset Allocation Study
    • Asset Location Study
    • Portfolio Risk Study
    • Economic Scenario Study
    • Income Stability and Distribution Study
    • Tax-Advantaged Charitable Gift Study


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  • Investment


    • Written Investment Guidelines
    • Financial Service Value/Cost Analysis
    • Diversification Intelligence Analysis
    • Proprietary Investment Research
    • Covered Dividend Analysis
    • Individual Security Portfolios
    • Individual Securities Held In Safekeeping
    • Tax-Sensitive Portfolio Management
    • Performance Reporting Analysis
    • Investment Behavior Coaching


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  • Management


    • Process and Workflow Management
    • Tax Accountant Coordination/Collaboration
    • Estate Planning Coordination/Collaboration
    • Trust Advisory Services
    • Advisory Team Leadership
    • Periodic Review Calls and Meetings


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It is a privilege and honor to be entrusted.

Scottsdale Financial Advisors

It is a privilege that very few people, if any, will get in their lives to be entrusted with guiding you financially and helping you look after your financial well-being.

It is a special honor for us to receive the trust of others to advise them financially and manage their money. It is a responsibility that we approach with great care and respect. That care and respect begins with important disclosures for us as Scottsdale fiduciary financial advisors.

How we align professionally for our clients.

CEFEX-certified firms adhere to a standard representing the best practices in their industry.  Intelligent Capitalworks is a CEFEX-Certified investment advisor firm in Arizona offering fiduciary fee-only wealth advisory services for high-net worth individuals, families, and trusts.

All investors want an advisor they can trust. The Institute for the Fiduciary Standard is a champion for investors. Helping investors find a real fiduciary advisor is the Institute’s mission. Intelligent Capitalworks is a member of the Institute for the Fiduciary Standard.

CERTIFIED FINANCIAL PLANNER™ certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients’ best interests. All client advisors at Intelligent Capitalworks are Certified Financial Planners™.

NAPFA is the standard bearer for fee-only, fiduciary financial advisors advocating for high professional and ethical standards working in a strict fee-only, fiduciary capacity. NAPFA-affiliated financial planners are committed to maintaining the highest level of competency, aligning solely with their client’s interests.  All client advisors at Intelligent Capitalworks are NAPFA members.

Fee-only financial advisors do not earn commissions or sell investment products. Every financial planner, financial advisor and investment manager on FeeOnlyNetwork.com has been vetted to meet the high standards of the National Association of Personal Financial Advisors (NAPFA) for strict fee-only compensation and ethical obligation. 

The Investment Adviser Association advocates before lawmakers and regulators as the only organization exclusively representing the interests of fiduciary investment advisory firms on issues that matter to advisers and their clients. Intelligent Capitalworks is the only member  in metropolitan Phoenix offering fiduciary fee-only wealth advisory services.

The Financial Planning Association® (FPA®) is the largest membership organization for CFP® professionals in the U.S. and also includes members who support the financial planning process.

Investment Adviser Public Disclosure (IAPD) database provides information about investment adviser firms registered with the SEC and most state-registered investment adviser firms. The SEC typically regulates larger investment advisers while smaller investment advisers generally are regulated by the states.

Bloomberg Business Profile: ICW Investment Advisors LLC, doing business as Intelligent Capitalworks, offers fiduciary investment and wealth management services. The Company specializes in retirement planning, investment management, trust and estate planning, and philanthropic planning. Intelligent Capitalworks serves clients in the United States.

Forbes Finance Council is an invitation-only, professional organization of senior-level financial services executives and leaders who are selected for the council based on their depth and diversity of experience in the financial services industry.

Using over 500,000 data points collected directly from the SEC, the investor.com Trust algorithm surfaces the right questions Americans should ask their financial advisor. The investor.com Trusted badge is awarded to the advisory firms that meet strict regulatory requirements.

AdvisoryHQ uses a “Top-Down Advisor Selection Methodology” that is based on a wide range of filters including fiduciary duty, independence, transparency, level of customized service, history of innovation, fee structure, quality of services provided, team excellence, and wealth of experience.

An experienced wealth management fiduciary among Scottsdale financial advisors.

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