Phlox (pronounced "flocks") is an independent investment and financial planning firm helping individuals, families, and small businesses build wealth. We help clients succeed by working on their entire financial situation, not just the investment accounts we manage. As an independent Registered Investment Advisor (RIA*), we apply a fiduciary standard of care to everything we do. We believe in low-cost investing, because all cost savings realized benefit our clients. * Registration does not imply a certain level of skill or training.