Spend less time worrying about money.
More time on what matters.
Wealth management for time-pressed working professionals. Clear guidance, honest advice, and a plan built around your life.
Reciprocal Wealth is a boutique, fee-only wealth management firm built for busy professionals and families. Our mission is to help you provide for yourself and your loved ones in the present while creating a safe and secure future.
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 that works over the long term.
Customer first
We invest alongside our clients and treat each one as we would want to be treated. Your interests come before ours — 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 always continue to learn, grow, and build together. The financial world changes, and so do your needs. We stay ahead of both.
What makes us different
Conflict-free advice
As a fee-only investment advisor, we are bound by a fiduciary obligation to our clients — meaning your interests are always at the fore. Unlike broker dealers who are incented to sell you investment products that may not be in your best interest, our only incentive is to do what's right for you.
Investing together
We are clients number one and two. Our assets are managed by the firm with the same duty, thought, and care as your own — and we pay fees just like everyone else. When your portfolio does well, so does ours.
Modern technology
Established investment firms often have information scattered across multiple legacy platforms. By contrast, we've adopted the most modern client platform, creating a one-stop shop for all your financial information — reducing the risk of errors and ensuring your valuable time is spent efficiently.
Fair & transparent fees
Instead of the traditional tier-based billing construct, our unique sliding-scale fee structure ensures predictable changes in your fees and eliminates the risk of an unfair, abrupt rise caused by market under-performance. With us, there is only transparency: one fee to cover all services.
The assignment provision
Our unique assignment provision acts like a "trade kicker" in sports. If we ever sell our interests in the firm to another party, you receive compensation in line with your share of our assets under management — a tangible way we put our money where our mouth is.
Who we are
Sam Chud
Co-Founder & Managing Partner
Sam brings over a decade of operating experience across marketing, sales, commercial strategy, and corporate strategy at Keurig Dr Pepper, a Fortune 500 company. He holds a BBA from Emory University's Goizueta Business School and is currently completing his Executive MBA at Northwestern's Kellogg School of Management.
sam@reciprocalwealth.com
Jake Lynch
Co-Founder & Managing Partner
Jake has spent his entire career in the financial sector, including roles in equity research, business analytics, and financial services. Most recently, he served as Operating Partner at TRIA Capital Partners, a private-equity firm investing in fee-only wealth management platforms. He holds a BA from Bowdoin College and an MBA from UVA's Darden School of Business.
jake@reciprocalwealth.comSam and Jake met while attending high school at Noble & Greenough School in Dedham, MA. They bonded during frequent hangs and poker games with their friends Matt, Brian, and Peter.
Sam and Jake remained friends for the next 15 years, then, during the COVID-19 pandemic, the two of them began playing weekly pickleball matches, followed by the occasional beer and Caesar Salad. During these meetups, they uncovered a shared passion for entrepreneurship and interest in finance.
It was during these conversations that the concept for what would become Reciprocal Wealth was born.
Common questions
We are based in the suburbs of Boston, MA.
We offer financial planning, investment management, retirement planning, and tax planning. That means assessing your current and future financial prospects, defining personalized goals, constructing a portfolio to match your risk tolerance, guiding you through retirement accounts, and using strategies like tax-loss harvesting to reduce your tax burden.
We have a transparent fee structure that bills monthly at a percentage of assets under management. We use a sliding scale so that there are no sudden changes resulting from shifts in tiers.
If we sell our interests in the firm to another party, you will receive compensation in line with your share of our assets under management once you assign your assets to the new ownership. It acts like a "trade kicker" in sports — when a player is traded to another team, he receives a bump in salary in exchange for making the transition.
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.
There are just a few forms to fill out, which won't take more than a few minutes of your time. We will walk you through the process step-by-step to ensure that everything is taken care of in one shot.
