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IndiCo
IndiCo
Your future grows with us
With over three decades of investment experience, the IndiCo team has relied on an investment philosophy and process that helps filter out the noise. We provide tailored guidance based on a thorough understanding of your goals, risk tolerance, and the “why” behind your investments.
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Ways we can help
This list features some of the most common challenges our clients ask us to assist them with. For tailored advice, please reach out to us.
What options do I have for philanthropy and charitable giving?
How do I ensure the seamless transfer of wealth to my loved ones?
What are the most effective ways to minimize estate taxes on a significant estate?
What are the benefits of diversifying into alternative investments?
Should I set up a trust for future generations?
How we serve our clients
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Passive
We use low-cost ETFs to minimize drags from fees, trading, and taxes.
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Active
We are selective with active managers and use alternatives to tap unique, attractive opportunities.
Opportunistic
We take advantage of market dislocations and capitalize on material valuation discrepancies.
How we serve our clients
Passive
We use low-cost ETFs to minimize drags from fees, trading, and taxes.
Active
We are selective with active managers and use alternatives to tap unique, attractive opportunities.
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Opportunistic
We take advantage of market dislocations and capitalize on material valuation discrepancies.
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A team of trusted advisors: Committed to excellence and integrity
WHAT YOU GET:
TRANSPARENT PRICING
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Customized Financial Plan
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Fiduciary Financial Advisor
WE WILL NEVER:
Charge Hidden Fees
Recommend Cookie-Cutter Strategies
Hide Conflicts of Interest
Guiding Principles
WEALTH SOLUTIONS
We create strategies that enhance and protect your legacy.
EXPERT GUIDANCE
We provide tailored advice based on your goals.
MARKET INSIGHT
We navigate complexities with precision and foresight.
PARTNERSHIP
We collaborate with you to ensure your wealth extends to future generations.
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Ways we can help
This list features some of the most common challenges our clients ask us to assist them with. For tailored advice, please reach out to us.
What options do I have for philanthropy and charitable giving?
How do I ensure the seamless transfer of wealth to my loved ones?
What are the most effective ways to minimize estate taxes on a significant estate?
What are the benefits of diversifying into alternative investments?
Should I set up a trust for future generations?
Case Studies
OUR FEES
Our Fees vs. Industry Averages
We believe in transparent, fair pricing. Below is our tiered advisory fee schedule compared with published industry averages for wealth management fees, as reported by SmartAsset (2024) and Kitces Research (2024).
Assets Under Management
Typical Industry Fee
Our Fee
$0 – $1,000,000
~1.25% – 1.50%
1.00%
$1,000,000 – $2,500,000
~1.00%
0.80%
$2,500,000 – $5,000,000
~0.75% – 1.00%
0.60%
$5,000,000 – $25,000,000
~0.50% – 0.75%
0.50%
$25,000,000 – $50,000,000
~0.25% – 0.50%
0.35%
Over $50,000,000
Often flat or negotiable
0.10%
Sources: SmartAsset 2024; Kitces Research 2024; NerdWallet 2024. Fees shown are typical ranges reported in industry surveys. Individual advisor fees vary. Our full advisory fee schedule is disclosed in our Form ADV Part 2A, available upon request.
Our Team
Vishal Saluja
Senior Vice President, Wealth Advisor
With over 25 years of experience in financial services, including having run a large hedge fund for over 15 years for both JW Seligman and Ameriprise Financial, Vishal is well-versed in all public equities – especially institutional money management.
Vishal is passionate about advising high-net-worth clients and is intensely focusing on capital preservation, thoughtful diversification, and earning superior risk-adjusted returns to deliver top-notch results.
As a San Francisco resident, Vishal enjoys all things outdoors, including hiking, tennis, and gardening. He also takes regular getaways to Sonoma, where he indulges his passion for reading and socializing with close friends.
Sutanto Widjaja
Chief Investment Officer, Farther Institutional
With over 20 years of asset management experience, including almost 17 years serving institutions and around five years serving high-net-worth families, Sutanto applies his expertise on capital preservation and risk-controlled approach to managing portfolios.
He previously worked as a Co-Portfolio Manager for TIAA-Nuveen, where he managed multi-asset portfolios for large institutions. Following TIAA-Nuveen, Sutanto co-founded IndiCo Capital, where he continued to serve high-net-worth individuals and families. Dedicated to giving back, he currently sits on the Investment Committees of the University of Hawaii Foundation and the Honolulu Museum of Art, where he advises on endowment portfolios.
Sustanto currently lives in the San Francisco Bay Area. His main hobby, outside of investment, is dog showing – he owns five Whippets!
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Go Farther
*This chart is solely for informational purposes and should be considered only as a hypothetical situation. Investing in securities involves potential risks, including loss.
A sophisticated wealth platform that makes your life simpler
Our proprietary platform includes everything you need to easily, confidently manage your wealth — and nothing you don’t.
- See your wealth in actionGet a holistic view of your finances, all in one place.
- Effortless to controlA simple dashboard allows you to make changes to your portfolio directly.
- Save time and hassleGet the answers you’re looking for at the click of a button.
The security of your assets is our top priority
Investments insured by SIPC up to $500K for each account
Your data is encrypted when stored and on the move- Your money is backed by trusted custodians, including Pershing, Apex, Schwab, and Fidelity
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