Redwood Wealth Management, LLC

Redwood Wealth Management provides discretionary portfolio management and financial planning to individuals (including high net worth clients), corporations, and other entities, delivering continuous advice and tailored investment policies developed from a client questionnaire. Services include direct portfolio management, recommendations of third‑party separate account managers, and access to mutual funds, ETFs, equities, fixed income and alternative investments, including proprietary Special Purpose Vehicles (SPVs); the firm states it has no account minimums.

The firm’s investment process begins with a demographic and risk‑profile assessment to establish an investment policy and may combine fundamental, technical and cyclical analysis when implementing strategies. Redwood conducts manager due diligence when recommending third‑party managers, may use alternative investments that require accredited investor status, and discloses that proprietary SPVs may be used and are excluded from the firm’s asset‑based fee calculation to mitigate a conflict of interest.

Redwood’s staff includes individuals who are registered representatives of a broker‑dealer and licensed insurance agents, and the brochure discloses that those non‑advisory activities (including offering variable annuities and fixed insurance products) occupy roughly ten percent of their time, which presents potential conflicts of interest. The firm also discloses a prior SEC finding in October 2021 regarding a custody rule violation that resulted in a censure and civil penalties (the firm paid $50,000 and the firm’s principal paid $20,000) and included agreed undertakings.