SIPHERD Wealth Management, LLC

The firm serves individual clients — including high-net-worth individuals — and businesses, operating with a small client base to provide comprehensive financial planning and investment advisory services. It offers these services through formal agreements that combine financial planning engagements with ongoing advisory coordination.

Rather than directly managing client portfolios, the firm operates as a co-advisor: it assesses client objectives, develops asset allocation guidance, performs ongoing monitoring and periodic reviews, and refers or directs investment implementation to a third-party sub-adviser (identified in the brochure) that conducts portfolio construction, due diligence, security selection, and maintains discretionary trading authority under a joint investment advisory agreement. The firm does not itself execute client trades or accept trading discretion, and custody and proxy voting remain with custodians and issuers except in limited circumstances defined in the advisory relationship.

Distinctive features include an affiliation with an accounting practice that provides tax and accounting services and to which clients may be referred, with the adviser providing credits toward those tax services and disclosing the resulting conflicts of interest. The firm also offers a limited-term fixed-fee planning path for prospective clients who do not yet meet account relationship thresholds and discloses procedures to manage conflicts related to retirement account rollovers and affiliated referrals.