Cyclus Wealth Management

Cyclus Wealth Management provides discretionary investment management and periodic financial consulting to individuals, retirement accounts, trusts, and small corporations, with a client base concentrated among individual and high‑net‑worth households. The firm manages each portfolio on an individualized basis and uses selective client acceptance — including a negotiable $1 million minimum and an assessment of fit and rapport — rather than pursuing large-scale growth.

Portfolios are constructed mainly with index and other passively managed no‑load funds, applying modern portfolio theory and a long-term buy‑and‑hold orientation. Rebalancing is a central feature of the investment process: the firm uses a proprietary volatility/expected‑return/covariance rebalancing method in tax‑sheltered accounts and incorporates tax considerations into rebalancing for taxable accounts, with fixed‑income exposure handled via bond funds, laddered Treasuries, and FDIC‑insured CDs as appropriate.

Compared with many peers, the firm is small and selective (two advisors and fewer than 40 clients), operates with a relationship‑focused practice, and generally does not aggregate client trades or vote client proxies. It recommends a custodian arrangement that includes SIPC protection plus excess insurance and separately offers paid financial‑consulting engagements with a substantial minimum commitment; the advisory team combines conventional planning credentials with prior experience in alternative investments and family‑office settings.