Ridgewood Wealth Management LLC

Ridgewood Wealth Management provides investment management and comprehensive financial planning to high‑net‑worth individuals and small businesses, managing about $25.2 million in discretionary assets for a small client base (17 clients) and maintaining a $100,000 account minimum. The firm charges tiered, percentage‑of‑AUM advisory fees that are generally debited from client custodial accounts.

The firm primarily employs a passive investment approach, constructing portfolios from low‑cost index mutual funds and ETFs to target asset allocation, low turnover and tax efficiency, while also recommending and monitoring third‑party outside managers and sub‑advisers when used. Financial planning services are offered only in conjunction with investment management and cover a broad range of topics (cash flow, retirement, estate, tax and business planning) with ongoing monitoring and annual plan reviews.

Compared with peers, Ridgewood’s client base is small and concentrated and appears focused on high‑net‑worth households rather than non‑HNW retail clients, an orientation underscored by its account minimum and limited client count. The advisory team includes a Chartered Financial Analyst and discloses notable outside business activities in the insurance industry (and insurance licensing held by a principal that the firm states is not used to sell products to clients), which the firm identifies and monitors as potential conflicts while receiving compensation directly from clients.