M. W. Aragao Investment Advisors, LLC

M.W. Aragao Investment Advisors, LLC provides personalized, fee‑only financial planning and discretionary portfolio management to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses, and primarily charges clients on a percentage‑of‑AUM basis. The firm’s brochure lists services such as cash‑flow management, retirement and education funding, investment management and tax planning, and notes there is no account minimum.

The firm employs a strategic asset‑allocation, core‑and‑satellite approach that uses passively managed index funds and ETFs as core holdings and adds active strategies selectively; portfolios are managed on a discretionary basis and suitability profiles are created for each client. Its stated methods include modern portfolio theory along with charting, fundamental, technical, cyclical and quantitative analyses, and accounts are reviewed at least monthly.

Distinctive aspects in the brochure include that a single management person directs all client accounts and the firm reports managing about $42.0 million for roughly 596 clients, a high client count per advisor relative to peers. The brochure also emphasizes in‑house management of all assets (no third‑party subadvisers), explicitly includes tax planning among its services (consistent with an accounting/tax emphasis), and notes it recommends a specific custodian (TD Ameritrade Institutional) and requires clients to use a directed broker relationship.