01 / Invest
Investment management
A portfolio shaped around your goals, time horizon, income needs, and comfort with risk. Longhouse handles the ongoing investment decisions and keeps you informed.
Private Wealth
Advice built
around your life.
You have people to care for, plans to make, and a future to think about. Longhouse helps you bring your investments and financial decisions together, with a team you can turn to along the way.
What We Help With
Your investments are part
of a bigger picture.
We help connect the money you have with the life you want to live and the people you want to provide for.
02 / Prepare
Retirement planning
Bring your retirement accounts, savings, and expected income into one conversation. We help you think through when to retire, what you may need, and how your investments fit.
03 / Draw Income
Making your money useful
Plan how to draw from your investments while keeping future needs in view. We help with withdrawal planning, required distributions, and changes in your spending needs.
04 / Navigate Change
A steady point of contact
An inheritance, divorce, or the loss of a spouse can bring unfamiliar financial responsibilities. We help you understand what you have and work through the next decisions at your pace.
05 / Coordinate
Keep the details connected
Investment decisions can affect your taxes and family plans. We consider those connections and coordinate with your tax and legal professionals when appropriate.
06 / Look Ahead
Plan for the people you love
Discuss beneficiaries, charitable goals, and investing for the next generation. We help align the investment accounts we manage with your broader plans.
A Good Place to Begin
You do not need to be an experienced investor.
You need room to ask questions and advice you can understand.
Some clients have invested for years. Others are taking responsibility for an investment account for the first time. We explain the choices, help with the setup, and manage the portfolio once it is in place.
What is on your mind?
"Am I on track to retire?"
"I inherited money. What should I do next?"
"Can someone help me bring my accounts together?"
"I want to invest, but I do not know where to start."
Whatever brings you here, we can start with that conversation.
Our Investment Approach
A plan for the years ahead.
We build and manage your portfolio with your life in mind, then revisit it as your circumstances change.
Start with your needs
Your goals, cash needs, and tolerance for market changes guide the investment conversation.
Stay disciplined
We focus on diversification, investment costs, and a long-term perspective when making portfolio decisions.
Keep talking
Retirement, family responsibilities, and priorities can change. We want to hear about those changes so your investment strategy can reflect them.
Investing involves risk, including possible loss of principal. Diversification does not guarantee a profit or prevent losses.
People Over Profit
Know the people
behind your advice.
Longhouse is an independent, Native-owned, father-and-son advisory firm in Encinitas. John and Dean Ferraro bring a personal approach to the work of managing family wealth.
We take time to understand your priorities, explain our recommendations, and build a relationship that continues beyond the first account opening.
How It Works
A clear path to getting started.
Start with a conversation, or begin an application below if you already know which account you need.
Choose your starting point
Talk with us about your goals and current accounts, or begin the appropriate application below. We are available to help along the way.
Understand the plan
We discuss how we can help, the investment approach, and the fees. You have time to ask questions before deciding.
Let us guide the setup
We help you work through the advisory agreements, account opening, and funding or transfer process.
Keep moving together
Longhouse manages the investments and stays available as your needs and circumstances change.
Open an Account
Ready to get started?
Choose the application that fits the account you want to open. You will continue to Interactive Brokers to complete your application with Longhouse.
Individual Brokerage
An investment account in your name.
Use this application to open an individual brokerage account with Longhouse.
Start Individual Application (opens in a new tab)
Retirement Account
An account for your retirement.
Use this application to open a retirement account with Longhouse.
Start Retirement Application (opens in a new tab)Applications open in a new tab on Interactive Brokers.
Not sure which account to choose, or need a different account type? Talk with Longhouse and we will help you with the next step.
Questions
Before we talk.
How much do I need to invest?
Our standard minimum for adult investment relationships is $250,000. If you are investing for a child, Longhouse NextGen has a separate $10,000 starting point.
Can I begin an account application online?
Yes. Use the individual brokerage or retirement account application above to get started. If you are unsure which account to choose or need another account type, talk with us first and we will help.
Do I need to know how to invest?
No. We explain the approach and answer your questions. Longhouse manages the ongoing investment decisions for the accounts entrusted to us.
Can you help with accounts I already have?
Yes. We can review your existing accounts and discuss which may fit within a Longhouse relationship. Before any transfer or rollover, we consider the account features, costs, and potential consequences with you.
Where will my investment account be held?
Client brokerage accounts are held at Interactive Brokers LLC, our custodian. Longhouse provides investment management. We explain the account setup and access during onboarding.
How are fees explained?
We review the advisory fee and how it is calculated before you sign an agreement. The advisory agreement and firm disclosures describe the terms. Investment fund expenses and brokerage-related costs may also apply.
Can you work with my accountant or attorney?
Yes. With your permission, we can coordinate with your other professionals so the investments we manage fit your broader plans. Tax return preparation and legal services are not included in this investment advisory relationship.
What happens during the first conversation?
We talk about what brought you here, your goals, and the help you are looking for. We explain how Longhouse works and whether our services may be a fit. You do not need to open or fund an account to have that conversation.
Let's Talk
What would you like
your money to do for you?
Tell us what you are working toward and where you could use help. We will take the next step together.
