The Pines Wealth Management, LLC

The Pines Wealth Management provides discretionary investment management, financial planning, and retirement-plan advisory services to individuals (including high‑net‑worth clients), trusts, estates, charitable organizations, businesses, and retirement plans. Like many supported firms, it delivers portfolio management for individual clients and charges advisory fees based on assets under management.

The firm emphasizes primarily long‑term portfolio construction using ETFs and mutual funds, while also employing individual securities and unaffiliated independent managers when appropriate, and it conducts ongoing oversight and due diligence on those managers. TPWM serves as a fiduciary for retirement accounts, assists with rollovers when appropriate, and sponsors a wrap‑fee program that bundles securities transaction costs into its asset‑based fee while maintaining an institutional custody relationship with Charles Schwab.

What is distinctive about TPWM within the supported‑firm cohort is its scale relative to team size — managing roughly $486 million in client assets across three advisors and 262 clients, which results in a notably high assets‑per‑advisor profile compared with most peers. The firm also combines wrap‑fee sponsorship with offering 3(21) retirement plan advisory services and advisors who hold broker‑dealer and insurance licenses, arrangements the brochure discloses as expanding service options while creating potential conflicts that the firm says it manages through policies and disclosures.