The Wealth Collective, LLC

The Wealth Collective is an independent, single‑advisor registered investment adviser offering comprehensive wealth management, asset management, standalone financial planning, and retirement plan consulting to individuals, trusts, corporations and employer‑sponsored pension or profit‑sharing plans. The firm manages roughly $42 million across a small client base and provides both discretionary portfolio management and episodic planning engagements.

Investment programs are built around asset allocation using ETFs, mutual funds, individual stocks and fixed‑income, with at least quarterly monitoring and the option to hire vetted third‑party money managers for implementation. The firm’s implementation toolkit explicitly includes options and other derivatives (for example, covered calls and cash‑covered puts) and, in some separately managed accounts, may employ borrowing or leverage.

Compared with many peers of its size, the firm’s acceptance of pension and profit‑sharing plan clients and its ongoing retirement plan consulting (including ERISA fiduciary acknowledgements and participant education) is atypical, as is its affiliation with insurance activity (representatives are licensed insurance agents). The firm’s principal also holds multiple professional credentials (CFA, CFP and insurance/retirement designations), and the combination of those qualifications with use of derivatives and leverage in managed accounts distinguishes its service profile from many solo independent advisers.