COMPASS Wealth Management, LLC

Compass Wealth Management provides financial planning and asset-allocation and investment advice to individual clients, addressing retirement, education, estate, insurance, windfall, and special‑needs planning. The firm delivers written comprehensive or limited plans and related recommendations but does not custody client assets or perform portfolio management directly; advisory representatives can implement recommendations through a separate registered adviser platform.

The firm’s planning process emphasizes interviews, questionnaires, and integrating clients’ goals and values with economic and fundamental analysis, including use of third‑party tools such as Morningstar. Compass frames its work around written plans with follow‑up meetings and expressly disclaims discretionary portfolio management from the firm itself.

Noteworthy distinctions include the firm’s planning‑centric business model and its avoidance of percentage‑of‑assets fees in favor of negotiated planning engagements, which is less common among similar advisory firms. Implementation and ongoing advisory management are typically handled through the advisory representatives’ dual registration with an outside registered adviser, and the brochure discloses related business relationships and parent‑company incentive arrangements that can create potential conflicts of interest.