Straight Forward Wealth Management, LLC

Straight Forward Wealth Management provides investment advice and portfolio management to individuals (including high‑net‑worth clients), charitable organizations and business entities, and also serves as a 3(21) ERISA advisor for retirement plans. The firm offers discretionary asset management (reporting approximately $45.5 million in discretionary AUM), financial planning and consulting, and sponsors a wrap fee program described in its Form ADV (Appendix 1).

The firm structures client relationships around written investment policy statements and tailors strategies to stated objectives, using a mix of fundamental, technical, charting and cyclical analysis with both long‑ and short‑term approaches. Accounts are managed on a discretionary basis with periodic (typically quarterly) reviews, custodial account statements provided directly to clients, and the ability for clients to impose written investment restrictions.

Several operating practices distinguish the firm from many peers: it sponsors a wrap fee program, the firm’s principal remains affiliated as a registered representative of a broker‑dealer and operates an affiliated insurance business (with disclosure that those activities consume a large portion of his time and may generate commissions), and the firm uses endorsements and client testimonials in its advertising. The firm was organized in 2017, began offering advisory services in 2024, and has maintained dual registration with the broker‑dealer during client transition.