Joseph Wright Investments

The firm provides individualized financial planning and portfolio management services to a mix of individual, high-net-worth and business clients, offering both discretionary and non-discretionary advisory arrangements and working with clients on matters such as retirement planning, tax issues, cash management and goal setting. It also handles retirement-account rollovers and delivers written analyses and recommendations as part of its planning engagements.

Investment decisions are built around client-specific asset allocation and may combine fundamental and technical security analysis; the adviser uses marketable securities across equity and fixed-income categories and, with client permission, may allocate a small portion of accounts to digital assets. Clients can impose written restrictions on investments and receive periodic reviews, with custodians providing regular account statements.

The firm’s practices include two features that are less common among peers: it may enter into performance-based fee arrangements for qualified clients under applicable exemptions, and the firm’s owner is also a licensed independent insurance agent who may receive commissions for insurance products recommended as part of planning. Both the performance-fee arrangements and the potential for insurance commissions are disclosed in the brochure and accompanied by stated policies and procedures intended to address the resulting conflicts of interest, and the firm provides detailed risk disclosures—notably on digital assets—to inform client decision-making.