Galvanize Wealth LLC

The firm provides investment management, financial planning, and employee benefit/retirement plan advisory services to individuals as well as qualified retirement plans, trusts, charitable organizations and small businesses. It also offers pension consulting and participant education for participant-directed plans and works with plan sponsors on investment policy and monitoring through third-party administration relationships.

The firm’s investment approach emphasizes passive, asset-class allocations implemented mainly with no-load mutual funds and ETFs (including funds from Dimensional Fund Advisors) and is guided by written investment policy statements, Monte Carlo analysis, and periodic rebalancing. Most client assets are managed on a non-discretionary basis—the firm reports approximately $22.3 million of non-discretionary assets and no discretionary AUM—and it engages a third-party sub-advisor (Advisor Solutions) for fixed income management and certain back-office functions.

Compared with many peers, the firm’s practice includes serving charitable organizations and corporate/business clients, offering pension consulting, and maintaining a licensed insurance agent role that permits recommending and selling insurance products (which can introduce commission-related conflicts of interest). It also provides administrative data-reporting services for planning software and makes an optional cash-management platform available to clients, features that are less common among similarly sized independent advisers.