Sustainable Wealth Strategies, LLC

Sustainable Wealth Strategies, LLC is a small, state-registered advisory firm that provides financial planning and portfolio management services to individual clients, and frequently implements investment solutions by referring clients to third‑party managers such as GeoWealth and SmartHarvest. The firm delivers written financial plans and works with clients to develop household-level investment policies, while its ADV reports a small client roster and no direct assets under SWS’s management.

The firm’s stated investment approach is primarily passive, using broadly diversified index ETFs and low‑cost funds, while also employing third‑party model strategies (core‑satellite, factor, and outcome‑based models) and a direct indexing option that can incorporate ESG customization and tax-aware adjustments. When recommending outside managers, SWS assists with allocation selection, investor profiling, and ongoing monitoring of the managers’ holdings and compliance, but relies on those managers for discretionary trading in many client accounts.

Several features in the brochure distinguish the firm from many peers: the ADV discloses prior regulatory matters (including a state securities stipulation and a FINRA settlement) and notes the use of client testimonials in marketing materials, both of which are relatively uncommon among similar supported firms. The brochure also discloses that principals maintain insurance licenses and devote a portion of their time to insurance sales, that the firm requires use of specific custodians and does not permit directed brokerage or aggregate block trading, and that it commonly relies on fee-sharing arrangements with third‑party managers.