Avalon Wealth Advisory, Inc.

Avalon Wealth Advisory is a fee-only registered investment adviser that provides personalized financial planning, investment advice, portfolio advice, and consultative services to individuals, trusts, estates, charitable organizations, and pension/profit-sharing plans. Its planning work covers retirement, estate planning, insurance analysis, and business succession, and the firm coordinates referrals to attorneys, accountants, and insurance professionals when appropriate.

The firm’s investment approach emphasizes developing asset allocation and investment policy with clients and recommending or selecting third‑party portfolio managers rather than exercising discretionary trading authority itself; Avalon monitors manager performance, assists with administrative tasks, and conducts formal reviews at least quarterly. Fee arrangements are negotiated and disclosed in the advisory agreement (the brochure notes a typical $1,000,000 account minimum and a possible $10,000 annual minimum); Avalon states it does not accept performance‑based fees and operates without soft‑dollar or commission arrangements.

Notable operational distinctions include an explicit policy not to accept discretionary authority, no custody of client assets, and a practice of not voting client proxies—policies that are less common among similarly sized team advisers. The firm also highlights staff credentials and niche capabilities (including a Certified Divorce Financial Analyst on the team) and provides planning that addresses non‑securities holdings and business‑owner needs, which may be relevant for clients with complex financial or divorce‑related situations.