InsuraWealth, LLC

InsuraWealth is a state‑registered independent investment adviser that serves a mix of individual clients, charitable and corporate clients, and pension and profit‑sharing plans. Services include discretionary portfolio management, introduction to third‑party money managers, and one‑on‑one financial planning offered as both ongoing engagements and hourly work.

The firm primarily constructs passively oriented portfolios using index mutual funds and ETFs while also employing fundamental, technical, cyclical and charting analysis as part of investment reviews and financial plans. It performs due diligence and periodic monitoring of recommended outside managers and works with clients to establish investment policy statements and asset allocation targets tied to individual goals and risk tolerance.

What distinguishes the firm from many peers is its active provision of pension and profit‑sharing plan consulting — including developing plan investment policy statements, assisting with QDIA selection, participant education, and governance support — and its acknowledgement of fiduciary obligations under ERISA when advising plans. Although a single‑advisor practice, the firm uses multiple institutional platforms (including Betterment Institutional, Charles Schwab’s institutional program, and digital custody arrangements) to access custodial, trading and practice‑management services for client accounts.