Aboveboard Wealth Management, LLC

AboveBoard Wealth Management provides financial planning, investment management, and limited financial consulting to individual clients, addressing topics such as retirement planning, education funding, equity compensation, insurance analysis, and estate/tax coordination. Investment management is offered on a non‑discretionary basis, with advice on asset allocation, security selection, and model portfolios tailored to client risk tolerances.

The firm’s investment philosophy emphasizes long‑term asset allocation, cost‑conscious use of passive index strategies with selective active managers, and a fact‑based approach informed by quantitative analysis and academic research. Recommendations generally favor no‑load mutual funds and ETFs, and the firm provides tax‑aware guidance while leaving trade execution to clients (with assistance available).

Distinctive features disclosed in the brochure include a common‑control affiliation with an independent insurance brokerage and an explicit process to mitigate related conflicts—clients are not required to purchase insurance from the affiliate, the firm publishes a consumer guide on insurance, and direct insurance commissions are limited to a single client‑facing professional. The firm also does not maintain discretionary or non‑discretionary assets under management and primarily charges fixed or monthly consulting fees rather than percentage‑of‑AUM fees; it does not take custody, participate in wrap fee programs, or place trades for clients.