Copiam Wealth Management, LLC

The firm provides ongoing investment advisory and portfolio management services to individuals, high‑net‑worth clients, small and medium‑size businesses, estates, trusts, charitable organizations, corporations and qualified retirement plans, and it also accepts institutional clients and retirement plans. Advisory offerings described in the brochure include financial planning, retirement income planning, pension consulting, educational seminars and workshops, asset allocation, portfolio design, ongoing monitoring and rebalancing.

The firm’s investment approach is evidence‑based and grounded in Modern Portfolio Theory and multifactor asset‑pricing research, targeting exposures to market, size, value, momentum and profitability equity factors plus fixed‑income term and credit factors. Portfolios are constructed for global diversification, frequently use structured mutual funds from Dimensional Fund Advisors to obtain targeted factor exposure, are managed on a discretionary basis, and an Investment Policy Statement is available on request.

Distinctive features called out in the brochure include repeated third‑party recognitions (Five Star Professional ratings), an explicit willingness to serve as an ERISA Section 3(38) fiduciary for pension and profit‑sharing plans, and the offering of educational seminars or workshops — items that are less common among peers. The brochure also notes that the firm directly manages client assets rather than selecting outside managers and discloses that licensed insurance activities may be offered separately, with related conflicts identified and mitigations described.