Melby Wealth Management

The firm provides investment management and financial planning services to individuals and high-net-worth clients, offering both comprehensive ongoing planning and project-based engagements as well as assistance selecting and monitoring third‑party managers. It reports approximately $18.6 million in assets under management and does not impose a minimum account size.

Investment implementation is primarily passive, using index mutual funds and ETFs informed by fundamental and cyclical analysis, and account supervision is guided by client-stated objectives and tax considerations. Uncommonly for its peer group, the firm reports no discretionary AUM and $18,634,616 in non-discretionary AUM, executes trades on an individual-account basis rather than through block trading, and does not vote client proxies.

Operationally, the firm engages independent contractors for administrative and paraplanning support who may access client information under written confidentiality agreements but perform work under the direct supervision and review of the firm’s principal, with the firm retaining full responsibility for advisory services. The principal also operates affiliated businesses — a financial media/podcast entity and a separate SaaS/bourbon-tracking business — and discloses spending roughly 10% and 5% of their time on those activities respectively.