Main Street Wealth Management, LLC

Main Street Wealth Management provides portfolio management, financial planning, and ongoing pension and employee benefit plan consulting to individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm develops a written Investment Policy Statement for each client and can manage accounts on a discretionary basis to implement those plans.

The firm’s investment process draws on a broad set of analytical methods—charting, fundamental, technical, cyclical and quantitative analysis, and modern portfolio theory—and typically recommends mutual funds and ETFs while also using fixed income, REITs, annuities and other instruments. Accounts are monitored on a regular schedule (reviews occur at least monthly) and the firm may employ margin transactions and third-party managers where appropriate, acknowledging the associated risks.

What distinguishes the firm from many independent peers is the explicit provision of ongoing pension consulting for employee benefit plans (including 401(k) plans), addressing plan demographics, participant goals and plan-level objectives. The firm also notes flexibility in implementing strategies—using third-party advisers when needed and accepting limited custody for fee withdrawal—and maintains no stated account minimums while documenting client-imposed investment restrictions through its IPS process.