Atwater Wealth Management, Inc.

Atwater Wealth Management is a fee-only, SEC‑registered adviser that primarily serves individual and high‑net‑worth clients, managing about $248 million across roughly 98 accounts with a two‑adviser team. In addition to discretionary portfolio management, the firm offers targeted financial planning and hourly or fixed‑fee consulting on matters such as retirement planning, tax‑efficient distributions, estate planning, annuity reviews, and education funding.

Investment strategies are tailored to each client and reviewed at least quarterly, using a mix of fundamental and technical analysis and instruments that can include ETFs, mutual funds, separately managed accounts, individual equities and fixed income, and options. The firm manages all client assets on a discretionary basis and directs execution and custody through LPL Financial as its exclusive broker‑dealer and custodian.

A notable operational feature is that Atwater sponsors a wrap fee program on LPL’s platform and absorbs transaction charges for participating clients rather than passing those costs through to clients. The firm also maintains a relatively high account minimum (recently raised to $2 million) and operates with a small advisory team managing substantial assets while relying on LPL‑provided support services and policies intended to address related conflicts of interest.