Aligned Wealth Solutions, LLC

Aligned Wealth Solutions operates as an investment manager that focuses on discretionary management delivered mainly through model marketplaces and pooled investment vehicles rather than traditional retail relationships, and it also offers treasury management, financial planning, and promoter/referral services. The firm implements portfolios using low‑cost mutual funds and ETFs and may use individual securities or options as needed.

The firm’s investment approach emphasizes Modern Portfolio Theory and strategic asset allocation, with implementation largely via third‑party model providers on custodial platforms (e.g., Altruist and Schwab) and separate treasury mandates using short‑duration treasury instruments and money market funds. Financial planning and consulting are provided on a non‑discretionary basis, with additional hourly billing for work beyond fixed‑fee engagements.

Notable distinctions include the principal’s outside business activities: a licensed insurance professional role that may produce commission income and ownership of an asset manager that operates pooled funds the firm may recommend to accredited investors. The brochure discloses these revenue sources and describes mitigation steps (for example, excluding assets invested in the pooled funds from the adviser’s standard AUM fee calculation) as well as promoter/referral arrangements with third‑party advisers.