Third Tier Wealth Management

Third Tier Wealth Management is a small, independent registered investment adviser that serves individual (including high‑net‑worth) and business clients with discretionary portfolio management, financial planning, and consulting services. The firm manages a modest amount of client assets across a limited number of client relationships and charges advisory fees based on assets under management.

The firm constructs customized portfolios primarily using low‑cost mutual funds and ETFs, while also incorporating individual stocks, bonds, or legacy positions when appropriate, and generally follows a long‑term approach with tactical rebalancing; its research combines fundamental, technical, cyclical and charting analysis. Third Tier Wealth also leverages third‑party platforms — including SEI’s managed‑account programs and Altruist’s Model Marketplace — and offers an estate‑planning advisory platform to clients at no additional charge.

Distinctive features disclosed in the brochure include an affiliated, licensed insurance business owned by the firm’s principal, with insurance sales generating customary commissions and the principal allocating roughly 25% of monthly time to that activity, which the firm identifies as a conflict of interest to be managed. The firm also maintains institutional relationships with SEI and Altruist that provide software and other economic benefits to the adviser, and the firm’s disclosures note the principal’s prior Chapter 7 filing (filed 2014, discharged 2015).