Whether you are investing for the first time, preparing for retirement, or thinking about your children and grandchildren, you deserve someone who listens and explains the next step.
We help you open the account, manage the investments, and keep your family's goals in view.
You may know you want to do more for your family, but feel unsure about where to open an account or how to manage it.
That is where we come in. We explain the choices, help with the paperwork, and manage the portfolio once it is in place. You have someone to call when a question comes up.
Your needs today and your hopes for the future belong in the same conversation. We help you consider both.
We help you decide how an investment account fits your goals, cash needs, and comfort with risk. Longhouse manages the portfolio and explains the approach, whether this is your first account or one you already have.
Explore Private WealthBring your savings, retirement accounts, and expected income together. We help you plan for spending, investment withdrawals, and the family responsibilities you want to continue supporting.
If you want to invest for a child but do not know where to begin, Longhouse NextGen provides help choosing and opening the account, followed by ongoing investment management.
See how NextGen worksAn inheritance, a change in income, or a new family responsibility can raise questions. We help you review priorities and beneficiaries, and coordinate with your tax or legal professionals when needed.
Longhouse is an independent advisory firm in Encinitas, led by father and son John and Dean Ferraro.
Dean is an enrolled member of the St. Regis Mohawk Tribe, Akwesasne, and a member of the Wolf clan. His Native identity and community relationships are part of the person you will work with.
Every family has its own story, responsibilities, and priorities. We start with yours.
If you would like a spouse, adult child, or another trusted person involved in the conversation, tell us. We can plan the meeting around that.
We explain account choices, investment risk, and fees in plain language. Ask us to slow down or explain something again.
If tribal distributions are part of your income, we can discuss how they fit your spending and investment goals, with tax questions coordinated with your tax professional.
You want to do something for your children or grandchildren. You should not have to become an investment expert to take that first step.
Tell us who you are investing for and what you hope the money will help them do. We will walk through the account choices with you and manage the investments once the account is established.
Bring your questions and a general picture of what you want help with. We can identify the documents we need afterward.
We listen to your goals, your current situation, and what feels uncertain. You do not need to know which account to choose.
We explain how we can help, the investment approach, the account minimums, and the fees before you decide.
If we are a fit, we guide the agreements, account opening, and funding or transfer process. Then we manage the investments and stay available.
Already know which adult account you need? View our account applications.
Yes. We explain the account options, how investments work, and the risks involved. We help with the account setup and manage the ongoing investment decisions for the accounts entrusted to us.
Our standard minimum for adult Private Wealth relationships is $250,000. Longhouse NextGen has a separate $10,000 starting point for children's investment relationships. We can discuss which service may fit your family's needs.
Yes. NextGen is designed to help families get started. We discuss the account choices, who will own and control the funds, and how the investments fit the goal before you open the account.
Yes. We can review your existing accounts and discuss whether a Longhouse relationship fits. We consider account features, costs, and potential consequences before recommending a transfer or rollover.
Client brokerage accounts are held at Interactive Brokers LLC, our custodian. Longhouse provides investment management. We explain how to access your account and statements during onboarding.
We explain the advisory fee, how it is calculated, and the services it covers before you sign. Your advisory agreement and firm disclosures set out the terms. Investment expenses and brokerage-related costs may also apply.
Yes. With your permission, we can coordinate with your other professionals on matters related to the investments we manage. Tax return preparation and legal services are separate from this advisory relationship.
No. We serve individuals and families from a range of backgrounds. Our Native ownership and relationships within Native communities are part of who we are.
No. The first conversation is a chance to ask questions, learn how Longhouse works, and see whether we are a fit. You do not need to open or fund an account for that conversation.
Yourself, your children, your grandchildren. Tell us what you have in mind, and we will help you work through the next step.
People Over Profit.
187 Calle Magdalena, Suite 103
Encinitas, CA 92024
(760) 642-1100