Civvy Wealth LLC

Civvy Wealth provides comprehensive financial planning and discretionary portfolio management to individuals, high‑net‑worth clients, trusts, estates and small businesses, beginning engagements with a written financial plan and moving to tailored asset management where requested. The firm offers ongoing plan support and monitoring, with client communications available by phone, email or appointment.

Investment decisions are guided by Modern Portfolio Theory and implemented using diversified mutual funds and ETFs, drawing on third‑party research resources such as Morningstar and Dimensional Fund Advisors; portfolios are constructed to reflect each client’s goals and risk tolerance and are rebalanced and traded as needed. Accounts are managed on a discretionary basis and the adviser requires custodial relationships with Charles Schwab for execution, custody and reporting.

This firm is atypical among small independent RIAs because the principal also serves as a tax partner at an accounting firm (an affiliation noted in the brochure) and allocates substantial monthly time to that role, creating an integrated tax‑and‑planning perspective that is uncommon for solo practices. The practice is small and boutique in scale—managing roughly $3.2 million on a discretionary basis for a very limited number of clients—which results in a concentrated client roster and a practice focused on personalized planning and tax coordination.