Meritum Wealth Management LLC

Meritum Wealth Management provides ongoing portfolio management, financial planning, and pension consulting to individuals, retirement plans, charitable organizations, and other institutional clients. Like many peers, the firm delivers asset‑based advisory services for individual accounts and may manage client accounts on either a discretionary or non‑discretionary basis, formalizing goals and limits in an Investment Policy Statement.

The firm’s investment approach draws on a blend of methods — including fundamental, technical, quantitative, cyclical analysis, and modern portfolio theory — and implements long‑term and short‑term trading, options strategies, and exchange‑traded funds where appropriate. Meritum also uses third‑party money managers and models when suitable, provides written financial plans as one‑time engagements, and reviews ongoing accounts at least annually.

A distinguishing feature is that a firm principal also operates an independent insurance agency and a separate tax preparation/tax‑planning business; the brochure discloses these affiliations, the potential conflicts they create, and the firm’s procedures to mitigate them (including disclosure and the occasional waiver of tax service fees). The firm is relatively small — three advisors managing approximately $13 million in discretionary AUM across about 69 client relationships — yet offers pension consulting and institutional research/manager‑selection services and requires use of specified custodians, which shapes its service model compared with many similarly sized advisors.