Curate your legacy TM

About Us

Moirai’s mission is to empower our clients to shape their financial future by giving them the advice, encouragement, and tools they need to identify and reach their goals. By providing unbiased and objective financial advice, we assure peace of mind for high-net-worth individuals and their families.

Financial decisions made today can impact generations to come,
which is why we focus on creating plans that will last for generations.”

— Karen M. Schmid, CFA, Principal & Founder

As an independent Registered Investment Advisor (RIA), Moirai is not limited to a single investment platform or specific product offerings. Our dedication to providing exceptional personalized service, world-class financial management, private investment opportunities, and unparalleled independence differentiates Moirai from its peers.

We hold ourselves to the highest level of commitment and stewardship to build trust, value, and long-term stability.

Our clients enjoy the confidence that comes from knowing that we have a fiduciary duty to put their interests first.

We help each client navigate the maze of choices and make informed decisions to shape their financial destiny.

Financial decisions made today can impact generations to come,
which is why we focus on creating plans that will last for generations.”

— Karen M. Schmid, CFA, Principal & Founder

The ancient Greeks believed the Moirai weaved the metaphorical threads of life for every mortal, from birth to death. These three goddesses of fate and destiny embody the underlying philosophy of Moirai Wealth Management, providing clients with the best advice to make informed choices to achieve their personal financial goals.

Moirai:
pronounced “MWA-RAY”

Services

We examine all aspects of your financial affairs and create tailored strategies to help you fulfill your investment goals. We are your advisor and advocate, integrating the work of other professionals, such as tax accountants, attorneys, bankers, and insurance specialists.

Wealth management is more than just investing. It’s taking a holistic approach to the entire financial picture and creating an optimal strategy that takes all of the factors that impact it into account. We create a free flow of information between experts and their various fields so that we can work together as a team to provide you with the right solutions.

We are tax-sensitive investment advisors who understand it’s not always what you make but what you keep that counts. For investors in higher tax brackets, strategic tax planning is crucial. We work to minimize taxes while maximizing investment returns. In some cases, taxes can be directed through charitable donations and endowment funds that support the causes you care about.

We develop financial goals that reflect our clients’ values and a customized investment portfolio to meet these goals. We create a high-quality portfolio that has the potential for consistent growth over time, emphasizing long-term core holdings of individual securities. Our analysis strategy is top-down: we start from an overall assessment of the economy, identifying sectors that will do well, and then select the strongest companies, crafting a diversified portfolio that can weather market ups and downs.

We review your retirement goals to help you understand your options. We walk you through different scenarios, taking into consideration time, potential market trends, your expenses and cost of living. Depending on your needs, we can help you roll over qualified retirement plans into an IRA and evaluate options for lump sums of cash from nonqualified benefit plans or stock options. Together with your accountants, we provide tax forecasts to help manage your goals and investments during retirement.

Estate planning is one of the most important aspects of your family’s long-term wealth management. We work with our clients and their attorneys to draw up a plan that includes wills, trusts, and guardians for minor children, if necessary. We help people see in concrete terms what their estate plan actually does and how it should be managed during their lifetime and beyond. We facilitate continuity between generations and peace of mind by having the mechanics of strategic wealth transfer in place, minimizing legal costs and tax implications, and pushing down assets to future generations.

Concierge services, financial mentorship and investment education, financial reporting, family governance, philanthropy coordination, and succession planning.

Moirai's comprehensive approach integrates investment management, tax strategy, and estate planning.
It's not just what you make, it's what you keep.”

— Karen M. Schmid, CFA, Principal & Founder

Our Team

An eclectic team of dedicated professionals, we are committed to working together to create strategic solutions that are unique to each of our client’s diverse needs.

Karen M. Schmid, CFA

Karen M. Schmid, CFA

Principal & Founder

Believing the independent advisor model gives clients the best value, Karen established her firm in 2000. The ability to provide services on a deep level, to respond to individual needs, and coordinate the financial aspects of their major life events was what she felt would be best for her clients, many of whom have been with her for decades.

After working for both a large multinational bank and a boutique investment firm, she was able to glean the best industry practices, grounding her ethical approach to service and investment.

Karen has more than 30 years of experience working with high-net-worth families. She maintains a strong working relationship with every client, providing them with the objective advice and personal attention that is the foundation upon which Moirai is built.

Karen is a Chartered Financial Analyst (CFA) and a member of the CFA Society of San Francisco. She holds a BA in International Economics from the University of California, Berkeley, and an MBA in International Business from the Anderson School of Management at UCLA.

More about Karen >

Katherine W. Singson

Katherine W. Singson

Business Strategist

Katherine has a deep and diversified history as a senior executive working globally in businesses from technology to entertainment.

After a dozen years in Silicon Valley working for start-ups, turnarounds, and multinationals, Katherine headed abroad, where she was a director of consumer and channel marketing for Microsoft’s Xbox, based in Sydney, Australia.

In recent years she has established herself as a freelance consultant, working on dotcom projects, small business entrepreneurship, and pro bono work.

Katherine enjoys using her background to help others in creative marketing, strategic management, and brand and business development.

She’s passionate about travel and cooking, having studied at Le Cordon Bleu.

More about Katherine >

Julia L. Uyttewaal

Julia L. Uyttewaal

Project Manager

Julia manages diverse projects for Moirai, including systems updates, ensuring regulatory compliance, and developing strategies for charitable giving. She holds a BA in geography from UC Berkeley and an MA in international development from Sciences Po Paris.

More about Julia >

Caroline R. Liddell

Caroline R. Liddell

Junior Financial Planner

Caroline oversees client coordination for Moïrai and is currently studying personal financial planning at UC Berkeley. She also holds a BFA in printmaking from the San Francisco Art Institute.

She has worked various aspects of customer service in diverse fields throughout her life. A native Californian, Caroline credits her caring personality to growing up with both sets of grandparents. Her fascination with people in general drives her interest in literature, textiles, and various forms of visual arts.

Caroline also volunteers with ArtSeed SF, a nonprofit that introduces fine art projects to underserved children.

More about Caroline >

Aloe J. Driscoll

Aloe J. Driscoll

Information Technology

A technology matchmaker with a strong background in web development, Aloe is Moirai’s software specialist.

She has implemented software solutions and led digital marketing efforts for a diverse portfolio of companies, ranging from eCommerce to healthcare. Aloe is committed to a data-driven approach, creating a streamlined user experience and empowering businesses to use technology to its full potential.

In her spare time, she works as a freelance writer focusing on environmental issues and adventure travel. A dedicated surfer, she competes locally and internationally.

More about Aloe >

David J. Larkin

David J. Larkin

Communications

David keeps clients abreast of portfolio and market developments through letters and research reports. He earned a BFA in Film from New York University and an MA from the University of Missouri School of Journalism.

He got his start as a business reporter and went on to write for GE Capital and other corporations. He’s experienced in business and investment writing, book editing, communication planning, web development, e-communications, and public policy research. He is a member of the Editorial Freelancers Association and the American Copy Editors Society. When he’s not writing he’s editing books.

More about David >

Contact Us

Moirai Wealth Management LLC

Jackson Square
San Francisco, California
United States
(by appointment only)

Email: invest@moirai.com Tel: 415.981.1541 Fax:  415.981.1542