Panorama Wealth Advisors

Panorama Wealth Advisors provides discretionary investment management, comprehensive financial planning, and limited-scope consulting to individuals (including high‑net‑worth clients), trusts, and estates after establishing an Investment Management Agreement. The firm also advises on legacy positions, insurance and annuity products held away from primary custodians, and works with third‑party money managers for portions of client portfolios.

The firm builds portfolios using asset‑allocation principles and modern portfolio theory, maintaining separate model sleeves such as growth and dividend equity strategies and varying fixed‑income sleeves, and actively monitors and rebalances accounts to clients’ stated objectives. Panorama explicitly uses cash as a risk‑management tool and supplements its in‑house management with third‑party managers and technology platforms to reconcile and report performance.

Compared with many peers, Panorama discloses multiple cross‑industry activities: several Investment Adviser Representatives are licensed insurance agents who receive commissions for insurance transactions, some are also registered representatives associated with a broker‑dealer, and the firm recently engaged the Pontera platform to manage held‑away defined contribution participant accounts without taking custody. The firm operates with a small advisory team managing roughly $133.7 million for about 200 clients and emphasizes the use of custodial and administrative relationships (e.g., Fidelity and third‑party reporting tools) to support its services.