PTM Wealth Management, LLC

PTM Wealth Management, LLC advises individual and high‑net‑worth clients, offering wealth management that combines comprehensive financial planning with discretionary investment management, as well as standalone investment management and project‑based or ongoing financial planning engagements. The firm also provides investment consulting services to brokerage customers of Mutual Securities, Inc. under a written agreement.

The firm’s investment approach is primarily long‑term and grounded in fundamental analysis, with portfolios generally built using low‑cost, diversified mutual funds and ETFs and occasional use of individual stocks or bonds to meet client needs. PTM performs ongoing monitoring and rebalancing, may recommend rollovers for retirement accounts when appropriate, and offers fee options that include hourly, fixed, and asset‑based arrangements.

Distinctive features include the firm’s affiliation with licensed insurance professionals — the brochure discloses that certain advisory persons are licensed and receive insurance commissions (notably the principal spends roughly 35% of his time on insurance activities and another advisor spends about 10%). PTM also participates in custodian‑provided educational conferences and events and offers educational seminars or workshops, and it maintains a consulting arrangement with MSI that pays PTM an annualized consulting fee equal to 57 basis points of assets under MSI’s management.