FCIG Wealth Management, LLC

FCIG Wealth Management provides wealth management and financial planning to individuals (including high‑net‑worth clients), as well as corporations and business entities. Services described in the brochure include asset allocation, portfolio monitoring, and management of held‑away retirement and education accounts (for example, 401(k)s, 529 plans, and HSAs) via a third‑party platform.

The firm’s investment model centers on selecting and appointing sub‑advisors to provide discretionary portfolio management and, where appropriate, allowing those sub‑advisors to further delegate authority; client objectives, risk tolerance, and time horizon are documented and accounts are reviewed at least quarterly. FWML also provides financial planning as part of its wealth management offering and may recommend private funds or alternative strategies through its sub‑advisors while outlining the attendant risks of options, ETFs, REITs, and non‑U.S. securities.

Noteworthy disclosures in the brochure indicate that the firm’s investment advisor representatives may receive external compensation for selling insurance products and for providing tax and accounting services, and the firm states it mitigates potential conflicts through disclosure and its fiduciary duty. FWML, formed in 2024, reports all assets managed on a discretionary basis through sub‑advisors rather than direct in‑house portfolio trading, a delegated structure that distinguishes its operating approach from many team‑based firms.