Building Wealth Financial Advisory LLC

Building Wealth Financial Advisory LLC is a fee-only fiduciary that provides discretionary portfolio management, financial planning (included in the AUM fee), and retirement-plan consulting, and it advises on held-away accounts such as 401(k), TSP, and 529 plans. The brochure lists client types that include individuals and families, high-net-worth clients, trusts, retirement plans, and small businesses.

The firm’s investment approach is a core-satellite model with low-cost, diversified passive ETFs as the core and selective individual stocks as satellite positions, intended for long-term growth, diversification, and tax efficiency. It employs fundamental and technical analysis and macroeconomic evaluation, manages accounts on a discretionary basis, and performs ongoing monitoring with formal quarterly reviews tied to billing periods.

Compared with many pooled-asset managers, the firm’s brochure emphasizes retirement plan consulting and guidance on held-away employer plans and small-business clients—client types that are less common among peers—while also stating there is no account minimum and that financial planning is included in the AUM arrangement. The firm names Altruist as its primary custodian, discloses no outside compensation or commissions, and notes that it does not vote client proxies (clients receive proxy materials directly).