High-Net-Worth Families
Families navigating wealth across generations — from building it to protecting it to eventually transferring it to the people and causes that matter most.
About your advisor
- CFP®
- CFA®
Brad Osten
Head of Platform & Wealth Advisor
Brad is a wealth advisor at Claro Advisors, helping individuals and families with comprehensive financial planning and long-term investment strategy.
His work is grounded in disciplined portfolio construction, thoughtful risk management, and aligning financial decisions with clients' broader life goals. Before joining Claro, Brad was a Client Advisor at Bernstein Private Wealth Management, where he advised high-net-worth individuals, families, endowments, and foundations. He holds the CFP® and CFA® designations and a B.S. in Finance from the University of Maryland. He lives in Boston's North End with his wife, Jenny, and their dog, Bug.
My Clients
Who I Work Best With
My practice is built around clients who want more than investment management — they want a trusted partner who understands the full picture of their financial life.
Pre-Retirees & Retirees
Clients within 10 years of retirement or already there, focused on income planning, tax efficiency, and making sure the money lasts.
Career Transitioners
Professionals at an inflection point — changing jobs, starting a business, receiving an equity payout, or stepping into retirement.
How I Work
A Clear Path Forward
Good financial planning isn't a one-time event — it's an ongoing process that evolves as your life does. Here's how I approach it.
01
Understand Your Full Picture
We start with a real conversation about where you are and where you want to go — your assets, income, obligations, goals, and what's keeping you up at night. I don't rely on questionnaires alone. Understanding you is the foundation of everything.
02
Build the Plan
I develop a comprehensive financial plan that covers investment strategy, tax efficiency, risk management, and cash flow — all aligned to your specific goals and timeline. You'll leave with a clear roadmap, not a stack of generic recommendations.
03
Implement with Precision
We put the plan into action together — constructing your portfolio, optimizing account structure for tax efficiency, and coordinating with other professionals in your life (CPAs, attorneys, estate planners) as needed.
04
Monitor & Adapt
Your life changes, and your plan should too. We meet regularly to review performance, revisit assumptions, and adjust strategy. Between meetings, I'm available when something significant shifts — because the best time to prepare is usually before a change is upon you.
Services
A Unified Approach to Your Financial Life
I work across every dimension of your financial life — not just your investments.
Investment Management
Evidence-based portfolios1 — including direct indexing and custom strategies — built around your goals and tax situation.
Tax Strategy
Proactive tax-loss harvesting, asset location, and year-round tax planning designed to improve what you actually keep.
Life Planning
Financial strategy aligned to real milestones — career shifts, home purchases, college funding, retirement, and everything in between.
Risk Mitigation
Comprehensive review of insurance and liability gaps to protect the wealth you've built from unexpected events.
Legacy Planning
Estate structuring, wealth transfer strategy, and charitable giving designed to extend your impact beyond your lifetime.
FAQ
Questions I Hear Most
What does working with you look like day-to-day?
Most clients hear from me proactively — when market conditions create an opportunity, when something changes in tax law that affects their plan, or when it's time for a scheduled review. We typically meet formally two to three times per year, but I'm accessible between meetings. You'll have direct access to me by phone and email, not a call center.
What types of clients do you work with?
My practice is primarily focused on high-net-worth individuals and families — people with real financial complexity who want a comprehensive, relationship-driven approach. That includes professionals at major career transitions, families managing multigenerational wealth, and pre-retirees building income plans. If you're not sure whether you're a fit, the best thing to do is have a conversation.
How does Claro charge for its services?
Claro Advisors is a fee-only, fiduciary RIA — which means we're compensated only by our clients, never by commissions or product sales. Our fees are based on assets under management, and that fee covers comprehensive financial planning, investment management, and ongoing access to your advisor. I'll walk you through the full fee structure in our first conversation. Our full fee schedule is described in our Form ADV Part 2A, available at https://adviserinfo.sec.gov/firm/summary/160294 or upon request.
What's different about how you invest?
I believe in evidence-based, disciplined portfolio construction — not market timing or chasing performance. What distinguishes Claro's approach is in the integration of tax strategy with investment management. Tax-loss harvesting, asset location, and thoughtful portfolio transitions may contribute to improved after-tax outcomes over time, though results will vary based on individual circumstances. I treat tax efficiency as a core part of investment strategy, not an afterthought.
I already have a CPA and an estate attorney. Do I still need a financial advisor?
Yes — and the three disciplines work best when they're coordinated. Your CPA is focused on accurate reporting; your attorney is focused on legal structure. My job is to connect the dots across your full financial picture, help you make forward-looking decisions around taxes, investments, and long-term planning, and make sure your team is aligned. Many of my clients already had a CPA and attorney when we started working together — and I work closely with those professionals as part of an integrated planning approach.
Important Disclosures
This microsite has been prepared by Brad Osten, CFP, CFA, a financial advisor with Claro Advisors Inc., an SEC-registered investment adviser (CRD No. 160294). The information presented is intended to describe Brad's background, services, and general approach to financial planning. It does not constitute investment advice, a solicitation, or an offer to buy or sell any security.
Registration with the SEC does not imply a certain level of skill or training.
Services and Scope: Claro Advisors provides investment management and financial planning services. References to tax planning describe general financial planning considerations only and do not constitute tax advice. Clients should consult a qualified tax professional or attorney for tax return preparation, legal matters, or jurisdiction-specific guidance.
Investment Risk: All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. There is no guarantee that any investment strategy or financial plan will achieve its objectives. Actual results will vary depending on individual circumstances.
Tax Outcomes: Tax strategies and tax-aware planning approaches — including tax-loss harvesting, asset location, and portfolio transition strategies — are intended to seek opportunities to improve after-tax outcomes. Tax results are not guaranteed and will vary based on each client's individual tax situation, applicable law, and other factors outside the adviser's control. Clients should consult a tax professional regarding their specific circumstances.
Financial Planning: Financial planning and goal-based strategies are designed to help clients work toward their objectives. Engaging in planning does not guarantee any specific financial outcome. Results depend on many factors, including market conditions, individual behavior, and circumstances that cannot be predicted or controlled.
Compensation: Claro Advisors is a fee-only registered investment adviser. Compensation is based solely on fees paid by clients. Claro Advisors does not receive commissions or compensation from product sales. A full description of our fee schedule and compensation arrangements is available in our Form ADV Part 2A at https://adviserinfo.sec.gov/firm/summary/160294 or upon request.
Form ADV: Claro Advisors' Form ADV Part 2A and Part 2B, which describe our services, fees, conflicts of interest, and disciplinary history, are available upon request or at https://adviserinfo.sec.gov/firm/summary/160294. Prospective clients are encouraged to review these documents before engaging our services.
- 1Evidence-based"Evidence-based" refers to an investment approach informed by decades of peer-reviewed academic research in financial economics, including foundational work on market efficiency, factor investing, and long-term return drivers. This methodology emphasizes broad diversification, disciplined cost management, systematic rebalancing, and exposure to return factors identified in the academic literature (such as market, size, value, and profitability premiums). It does not imply that future results can be predicted or guaranteed. All investing involves risk, including the potential loss of principal.