Azure Wealth Management

Azure Wealth Management is a small, adviser-led firm that works with individual clients (including high‑net‑worth and non‑HNW households), small businesses and retirement plans. Services described in the brochure include comprehensive financial planning, ongoing discretionary portfolio management and investment supervisory services, ERISA plan advisory (3(21) and 3(38)) and business consultation, including assistance with accounting and audit matters under separate agreements.

The firm describes an investment process that combines Core + Satellite and Modern Portfolio Theory approaches, uses fundamental analysis and emphasizes diversified, tax‑aware, low‑cost vehicles with periodic monitoring and rebalancing. Azure also arranges for third‑party managers and acts as a liaison to those managers when appropriate, while providing ongoing reporting and periodic reviews to clients.

Noteworthy for a firm of its size, Azure maintains affiliated businesses that include an insurance agency and accounting/audit services, and the brochure discloses that those affiliations can result in commission or referral arrangements. These relationships — together with the firm’s explicit ERISA 3(21)/3(38) capabilities and its practice of placing clients with third‑party managers for a portion of assets — are highlighted as potential conflicts that the firm says it mitigates through disclosure and its fiduciary obligations.