Sandman Wealth Management

The firm provides discretionary asset management, model-portfolio co-advisory services, financial planning, and ERISA plan advisory work for plan sponsors and institutional or business clients rather than focusing on individual retail accounts. It offers ongoing portfolio management through a co-advisor arrangement with a third‑party portfolio manager and also provides comprehensive financial plans and participant education for retirement plans; the firm began offering advisory services in 2025 and currently reports no assets under management.

In working with clients the firm generally exercises discretionary authority to select and implement model allocations, assist in developing investment policy statements, and perform periodic monitoring and rebalancing with quarterly reviews. Its investment methods include fundamental, technical and cyclical analysis and strategies range from long‑term holdings to shorter‑term trades, while ERISA services are provided as a limited-scope 3(21) fiduciary offering monitoring, IPS assistance, and plan reporting.

Noteworthy aspects for prospective institutional clients include that the firm’s principals are also licensed insurance agents (one devoting roughly 30% of her time and the other about 10% to insurance activities), a relationship the brochure discloses as a potential conflict because insurance products may be recommended on a commission basis. The firm’s use of a fee‑sharing and incentive arrangement with its third‑party portfolio manager and the planned dual registration of a principal during a client transition are additional operational features that differ from many peers in this category.