Forefront Asset Management, LLC

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Client assets under management

$133,590,238

Clients

307

10% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

102

High

Average account size

$435,147

About

Forefront Asset Management serves individuals, retirement plans, corporations, trusts, estates and charitable organizations, managing roughly $137 million in regulatory assets for about 300 clients through a small advisory team of three. The firm offers holistic financial planning and consulting alongside portfolio management, covering areas such as retirement planning, estate planning, education planning, wealth transfer, family office services and private asset management.

At the start of each relationship Forefront develops a Financial Profile and an Investment Plan that guide asset allocation and ongoing portfolio decisions; portfolios primarily include mutual funds, ETFs, equities, exchange-traded products and fixed income, and may occasionally include alternative vehicles. The firm manages accounts on a discretionary or non-discretionary basis, uses a mix of fundamental and technical (charting and cyclical) analysis for security selection, and conducts at least quarterly account reviews.

A distinguishing feature is the firm’s affiliation with an insurance brokerage under common control and the presence of licensed insurance agents on the advisory team, which can give rise to commission-based compensation for insurance products; Forefront discloses these conflicts and notes it will not charge both a commission and an advisory fee on the same assets. The firm also participates in an institutional broker-dealer platform that provides execution, custody, technology and research benefits, which it discloses as part of its brokerage and operational arrangements.

Client services

Financial planning Portfolio management

Expertise

Charitable giving & philanthropy Cash flow / budgeting Wealth management

Fee options

Fixed

Fixed fees for financial planning generally range from $0 to $50,000, paid before service.

Percentage

$0 - $500,000: 1.50% $500,001 - $1,000,000: 1.25% $1,000,001 - $2,000,000: 1.00% $2,000,001 - $4,000,000: 0.80% $4,000,001+: 0.60%

Commissions

Insurance commissions earned by licensed agents associated with Forefront, separate from advisory fees.

Project-based

Up to $350 per hour, negotiable.

Other

Fee-only: Portfolio management fees based on asset tiers as listed; financial planning fees are negotiable and can be fixed or hourly.

Main office location

Forefront Asset Management, LLC

1209 Independence Boulevard, Suite 106

Virginia Beach VA 23455, United States

Number of offices

Most active in

Florida · New York · North Carolina · Texas · Virginia

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Facebook Instagram YouTube Website 757-222-1880

Advisors at this firm

Matthew U

Series 65

Virginia Beach, VA

Forefront Asset Management, LLC

Matthew Umlauf is a financial advisor with Forefront Asset Management, LLC, holding a Series 65 designation and nine years of industry experience. He has been with Forefront since 2016. In addition to his advisory role, Mr. Umlauf is a professional musician and a member of the Virginia Symphony Orchestra, where he maintains an active concert schedule. Forefront Asset Management provides financial planning and portfolio management services to individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm offers holistic planning and employs a mix of fundamental and technical analysis to create individualized investment plans.

Charitable giving & philanthropy Cash flow / budgeting Wealth management

Robert M

CFP®, Series 63

Virginia Beach, VA

Forefront Asset Management, LLC

Robert Messer is a CFP®-designated financial advisor with 19 years of industry experience. He has been with Forefront Asset Management, LLC since 2015 and also serves as president of Bayside Financial Group Inc. in Virginia Beach. Messer is licensed to sell non-variable life insurance through Raymond James Insurance Group, where he works part-time as an insurance agent. Forefront Asset Management, LLC provides financial planning and portfolio management services to individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm employs a holistic planning approach and uses a combination of fundamental and technical analysis to manage portfolios, which include mutual funds, ETFs, common stock, and other investment vehicles.

Charitable giving & philanthropy Cash flow / budgeting Wealth management

Luke M

Series 65

Virginia Beach, VA

Forefront Asset Management, LLC

Luke Messer is a financial advisor at Forefront Asset Management, LLC in Virginia Beach, VA, holding a Series 65 designation with two years of industry experience. He has been with Forefront since 2023 and has prior work experience dating back to 2012. Forefront Asset Management provides financial planning and portfolio management services to individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm offers holistic planning, including retirement, estate, wealth-transfer, and education planning, and employs a mix of fundamental and technical analysis to tailor investment plans to each client’s needs.

Charitable giving & philanthropy Cash flow / budgeting Wealth management

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