FMA Wealth Management, LLC

The firm provides wealth management, discretionary investment management, and financial planning to individuals (including high-net-worth clients), trusts, estates, charitable organizations, corporations, and businesses. Like many peers, it charges percentage-of-AUM advisory fees and manages client accounts on a discretionary basis, overseeing roughly $174 million in assets for about 144 clients.

Investment decisions are guided primarily by Modern Portfolio Theory, supplemented with fundamental, technical, and cyclical analysis to construct long-term strategic portfolios largely using mutual funds and ETFs; the firm may retain legacy individual stock positions and, in rare cases, include municipal bonds for tax or diversification reasons. Portfolios are typically rebalanced one to three times per year, tax implications are considered for non‑qualified accounts, and the firm also offers written and ad‑hoc financial planning engagements (including hourly and fixed‑fee arrangements).

Notable distinctions include a principal with multi‑decade industry experience and CFP® and AIF® credentials operating a firm established in 2021, an institutional relationship with Charles Schwab that provides software and other economic benefits, and a referral relationship with tax firm S.J. Dennen that includes fixed compensation to the advisor. The brochure also discloses that the advisor is separately licensed to sell insurance and may receive commission compensation for insurance sales, arrangements the firm identifies as potential conflicts of interest.