Massey Morgan Wealth Management, LLC

Massey Morgan Wealth Management is a small advisory firm that refers clients — including individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations — to third‑party money managers and acts as a liaison for onboarding and ongoing client servicing. The firm documents client objectives, prepares initial net worth or risk analyses, and delivers TPM disclosures and custodial statements but does not directly manage client assets or accept discretionary trading authority.

The firm’s operational model centers on matching clients to third‑party money managers who implement investment strategies and bill clients under their own fee schedules; Massey Morgan receives ongoing referral fees and conducts periodic reviews rather than charging its own percentage‑of‑AUM or performance‑based fees. Clients receive account statements from custodians and TPMs, and the firm does not participate in wrap programs, custody client assets, or routinely vote proxies.

What distinguishes the firm from many peers is its insurance affiliation and referral‑only structure: both firm members are licensed insurance agents, with one member devoting roughly half of their time to insurance activities and another a small percentage, a conflict disclosed and managed in the brochure. The firm also discloses receipt of referral and non‑monetary incentives from a named sub‑advisor and recently removed financial planning as a firm service, reflecting a focused, intermediary role rather than direct portfolio management for individual or high‑net‑worth accounts.