Softwealth

The firm is a registered investment adviser that provides asset management with an emphasis on business and retirement planning to a small client base of individuals, high‑net‑worth individuals, trusts, estates, employer plans, charities, foundations, endowments, corporations, small businesses and churches. As of December 31, 2024 the adviser reported managing approximately $17 million in client assets and offers both discretionary and non‑discretionary portfolio management without a minimum account opening balance.

The sole investment adviser implements portfolios using a mix of fundamental analysis, technical analysis, modern portfolio theory, targeted asset‑allocation models and cyclical analysis, and may employ strategies that include options, margin, short sales and alternative investments where appropriate. Portfolios are assigned to one of several model allocations, monitored at least annually (or more often as needed), and the firm commonly recommends a third‑party custodian platform for account custody and fee processing while also considering third‑party money managers when selected.

Distinctive features include the firm’s very small scale — a single adviser serving roughly two dozen clients — and a disclosure that the principal has a minority interest in an automobile repair business that the brochure states occupies about 60% of his time, a material outside business activity that the firm discloses as a potential operating consideration. The brochure also notes the firm may receive custodial‑related benefits and compensation arrangements with third‑party managers (although it currently has no contractual relationships), and it discloses these arrangements and related conflict‑management practices in its written policies.