TBH, you are asking a lot. CPA and CFP are two separate skill sets, thus the difference in designation. You probably can’t expect someone to do both jobs, at least not well. Yes, I know some firms and even some individuals do perform both tasks, but after 25 years in this biz, I’ve never seen it done well at a high level. Kinda like hiring a handyman to do some of both electrical and plumbing work on your house. Simple jobs, OK, but if you want to build your dream home, you’re gonna hire specialists. If your needs are complex, and it sounds like yours are, you want specialists IMO.
1.8% is high. I don’t know anyone who charges that much. But it’s a sliding scale, the more you got, the smaller % you should pay.
The new or emerging tech stuff is a tough one. You’d need someone intimately familiar with early stage companies. That’s a non starter for me. Not my bag. Again, that’s something that requires a very unique and specifically dedicated skill set. If you’re gonna do that well, that’s all you’re gonna do. My clients already have money and are far more concerned with making it last than they are hitting the next home run. Again, I think you’d be very hard pressed to find someone with a consistent track record of identifying productive opportunities to invest in new tech, while at the same time managing significant wealth later in a client’s life. Those are two different skills.
Perhaps your experience stems from the fact that the FA’s you have encountered in the past were disingenuous. They told you what they thought you wanted to hear, told you they could do it all, and then, not surprisingly, failed to meet your rather unique expectations. Personally, I would’ve told you up front I’m not the guy for you.
In short, respectfully, I can understand why you have been displeased and I think it may stem from the fact that you probably need several financial professionals, and instead are trying to find one jack of all trades.