Forward Wealth Management, LLC

The firm provides discretionary investment management and financial planning to individuals and high‑net‑worth households, addressing areas such as retirement planning, cash flow and debt management, college savings, and estate planning. It also offers direct‑to‑participant 401(k)/qualified retirement plan management and delivers written or electronic financial plans tailored to each client’s situation.

Portfolio construction combines fundamental, technical, cyclical and charting analysis and may include mutual funds, ETFs, individual securities, and option strategies such as covered calls and cash‑secured puts; accounts are typically managed on a discretionary basis with quarterly reviews and occasional block trading. The firm gathers client information on objectives, time horizon, risk tolerance and liquidity needs to build individualized portfolios and accepts reasonable client‑imposed investment restrictions.

Distinctive aspects include the principal’s dual CFP and CFA credentials, management of roughly $93 million in discretionary assets across about 45 client relationships (indicating larger‑than‑average account sizes), and a disclosed practice of selling life insurance products for which commissions are received (not used to offset advisory fees and accounting for about 5% of the principal’s time). The firm also discloses no soft‑dollar arrangements, does not participate in wrap fee programs, generally recommends Charles Schwab as custodian, and forwards proxy materials to clients rather than voting them.