STS Wealth Management, Inc.

The firm provides ongoing portfolio management and financial planning to individuals and high‑net‑worth clients, and it also accepts pension or profit‑sharing plan clients. Services include creating individualized Investment Policy Statements, retirement and college planning, and implementation across mutual funds, equities, bonds, ETFs, REITs and insurance products (including annuities).

The firm relies on fundamental analysis and a long‑term trading approach, documents client objectives and risk tolerance in an Investment Policy Statement, and generally seeks discretionary authority to implement portfolios. Accounts are reviewed at least monthly by the principal, and wealth‑planning engagements are offered on fixed‑fee or hourly bases to tailor recommendations to client circumstances.

Distinctive for a small independent adviser, the firm affiliates with and may direct clients to third‑party investment advisers and outside managers, receiving fee‑sharing for those referrals. The firm’s principal also conducts broker‑dealer and insurance activities and may receive commissionable compensation for securities and insurance sales; the brochure discloses these conflicts, states commissions are not the firm’s primary income source, and describes steps (including documentation and the option to use other brokers) to manage them.