services, addressing areas such as retirement, education, tax strategies, cash flow, insurance, and estate planning. Clients can choose between discretionary and non-discretionary investment management arrangements. The firm charges a fixed quarterly retainer fee, which is individually negotiated with each client. Altiora does not receive commissions for product sales, ensuring that its compensation is solely based on the fixed fee structure. The firm maintains client accounts with third-party custodians like Charles Schwab & Co., Inc., Fidelity Institutional Wealth Services, and TD Ameritrade Institutional. Altiora is registered with the U.S. Securities and Exchange Commission as an investment adviser.