MWM Wealth Advisory, LLC

MWM Wealth Advisory provides fee-based investment management and retirement-plan advisory services to individuals, high-net-worth clients, small businesses, and qualified retirement plans. The firm offers non-discretionary asset management through a firm‑sponsored wrap fee program and provides ERISA 3(21) plan advisory services such as IPS development, investment monitoring, and participant education.

The firm generally operates on a non‑discretionary basis, documenting client objectives in Investment Policy Statements and performing quarterly and event-driven reviews; its Form ADV reports $129.9 million in non‑discretionary assets under management as of 12/31/2025 and no discretionary AUM. Investment analysis uses both fundamental and technical approaches, strategies may include long‑term holdings, and custodial arrangements require client consent for direct fee debits and provide quarterly account statements.

Distinctive aspects include an unusually high client count per advisor (about 200 clients), sponsorship of a wrap fee program, and the advisor’s separate insurance practice through which customary commissions may be paid; the firm discloses these relationships and states procedures and fiduciary duties to mitigate conflicts. Its retirement-plan work is focused on limited‑scope, non‑discretionary 3(21) services with explicit exclusions for employer securities, real estate, and other illiquid or non‑public plan assets.