Think Wealth, LLC

Think Wealth, LLC is a small state‑registered investment adviser that serves primarily individual (non‑HNW) clients and provides discretionary portfolio management through a set of model portfolios plus non‑custodial 401(k) consulting. The firm manages client accounts using a standardized onboarding questionnaire to assign one of its model allocations and generally requires clients to use the adviser’s recommended custodian.

The firm implements its models using only exchange‑traded securities (individual stocks and bonds, ETFs, ETNs and similar pooled vehicles) and emphasizes monitoring ETP holdings for overlap and for continued adherence to stated strategies. Accounts are managed on a discretionary basis with regular review and rebalancing; the brochure notes the firm does not participate in wrap fee programs.

Noteworthy distinctions include disclosed affiliations between the firm’s principals and other investment‑advisory and insurance entities (for example, consulting activity at another RIA, an owner registered as an IAR with a different RIA, and an affiliated insurance agency) and the firm’s stated policies to disclose and manage those relationships. The brochure also highlights that Think Wealth serves a mostly non‑HNW client base and requires use of a single recommended custodian, a practice the firm notes can affect trade execution compared with firms that allow client‑directed brokers.