DRM Wealth Management

DRM Wealth Management is a state‑registered investment adviser that serves individual clients (including high‑net‑worth and non‑HNW households), charitable organizations, and business clients; the firm reports $109.5 million in discretionary assets under management and manages approximately 114 client relationships with a single advisory professional. Services disclosed in the brochure include discretionary portfolio management, referrals to and oversight of third‑party outside managers, and multiple financial planning options (fixed‑fee, hourly, and comprehensive retainer arrangements).

The firm describes a primary emphasis on passive investment management—constructing diversified, asset‑class weighted portfolios using index mutual funds and ETFs for low cost and tax efficiency—while also employing fundamental, technical, cyclical, and charting analysis in its research and manager due diligence. Financial planning deliverables include written or electronic plans with projections and scenario modeling (for example, retirement probability projections), regular account reviews, and ongoing monitoring under retainer arrangements.

Distinctive disclosures in the brochure include that the principal is a licensed life and health insurance agent and may receive separate commissions for insurance products, and that the firm uses Schwab’s institutional program and receives related services and soft‑dollar benefits. The combination of advisory services with licensed insurance activity and the use of projections/scenario illustrations in planning reports is a less common mix among comparable supported firms and is explicitly disclosed in the brochure.