Fiduciary Wealth Management, LLC.

Fiduciary Wealth Management serves individuals, high‑net‑worth clients, corporations and retirement plans by providing financial planning, participant account advice for defined contribution plans, and by selecting and referring clients to third‑party money managers. Services described in the brochure include fixed or hourly financial plans, quarterly allocation recommendations for plan participants, and facilitating relationships with external money managers.

The firm generally does not provide direct portfolio management for individual accounts; instead it recommends, monitors and refers clients to third‑party managers (including a sub‑advisor relationship with Royal Fund Management) and uses a held‑away platform (Pontera Solutions) to exercise discretionary oversight of participant accounts. Client accounts are reviewed at least quarterly and allocation recommendations or rebalances are communicated to clients, with implementation responsibility often remaining with the client or the third‑party manager.

A distinctive aspect of the firm is its affiliation with insurance activities: the principal is licensed to sell life, health and property/casualty insurance and operates an affiliated insurance entity, and the brochure discloses receipt of insurance commissions and referral fees from sub‑advisors. That combination — an insurance affiliation with commission income alongside a business model built on third‑party manager referrals and platformed participant management — is less common among independent advisory firms.