...because personal finance is the highest-stakes finance.
Discover Your Investor Identity
If you grew up restricted, you felt money differently.
For many, money was a boundary—or maybe, the sound of a door closing. And for some of us, wealth isn't just about discipline. It is about the courage to navigate what we have lived.
Take the SIP Investor Identity Quiz—a 5-minute self-assessment and see what matters most to you.
Take the Investor Identity Quiz →What SIP Offers
Discretionary Portfolio Management
SIP manages your portfolio end-to-end. We design your asset allocation, select investments, and oversee ongoing portfolio management.
- Strategic asset allocation design
- Investment selection and implementation
- Ongoing monitoring and rebalancing
- Risk management and adjustments
- Coordination across taxable and retirement accounts
Advisory Mandate
You retain decision authority. SIP provides institutional-grade investment guidance and oversight.
- Asset allocation recommendations
- Investment and manager selection guidance
- Portfolio review and optimization
- Independent evaluation of existing holdings
Wealth Is Rarely Built In Isolation
SIP is a fee-only Registered Investment Advisor based in Lexington, MA, and a fiduciary, utilizing Charles Schwab as custodian for client assets. Learn more about SIP
If you would like to partner with us to grow your wealth, here are the frameworks, questions, and principles SIP utilizes—shared for anyone navigating similar decisions.
Frequently Asked Questions
Are you a fiduciary?
Yes. SIP is a fee-only fiduciary—legally and ethically obligated to act in your best interest at all times. Never earning commissions or incentives from third parties.
Is there an account minimum?
No account minimums. The work of stewardship begins the moment a person decides to take responsibility for what they have—without waiting to be told they are ready.
How do I get started?
Schedule an initial consultation. We'll discuss your goals, your situation, and whether SIP is the right fit. Book here →
Can I get a second opinion on my existing portfolio?
Absolutely. SIP offers independent portfolio reviews on an hourly or project basis—no obligation to transfer assets.
Do you offer values-aligned investing?
Yes. Whether you want traditional strategies or a values-aligned portfolio, SIP builds both with the same institutional discipline.
How do I access my accounts?
Clients retain full access and visibility to their accounts at all times through our custodian's secure online portal.
The Voice Behind SIP: Anu Rames
I didn't learn about the "messiness" of personal finance in a boardroom; I learned it by watching how money actually lives in the world.
I was fortunate to manage the institutional math for over Seventy Thousand Lives in the Fortune 100 space. That experience revealed a profound truth: Personal finance isn't just smaller finance—it is higher-stakes finance. In a corporation, a bad quarter is a line item. In your life, it affects your family's presence, predictability, and safety.
Why I Created the SIP Method™
I wrote my book, The Messiness of Personal Finance, because I saw too many people living inside the "Income Spell"—believing that as long as the paycheck was coming in, the structure was sound. But stability is often just scaffolding. My role is to help you build a permanent structure.
I work with individuals and families navigating the same dilemmas I write about:
- Identity Transitions: When who you are is changing, and your money needs to catch up.
- The Power of "NO": Helping you decline high-stress financial paths in favor of resilience and values-aligned growth.
- Living the Story: Ensuring your capital protects the narrative you are building for your children and your legacy.
I live in the Boston suburbs with my husband, daughter, and our dog, Lightning. I believe that true wealth isn't just about capital appreciation—it's about the courage to grow and the clarity to see your own path forward.