Three Sheep Wealth Management, LLC

Three Sheep Wealth Management provides integrated wealth management to individual and high‑net‑worth clients as well as small businesses, combining financial planning with ongoing portfolio management and investment consultation. Services described in the brochure include retirement and Social Security strategy analysis, tax‑aware planning, Medicare reviews, education planning, estate and charitable giving reviews, and assistance with “held‑away” accounts.

The firm’s investment approach is a Core + Satellite strategy that blends passive core holdings with targeted active satellite positions, typically using ETFs and mutual funds and informed by fundamental analysis. Portfolios are managed on a discretionary or non‑discretionary basis and, where suitable, the firm may employ borrowing/margin in separately managed accounts through the custodian’s margin features while avoiding leveraged or inverse ETFs.

Noteworthy for an independent adviser of this size, the firm offers periodic complimentary educational workshops on personal finance and investing, an offering that the brochure highlights as part of its client outreach. The brochure also emphasizes the firm’s fiduciary duty, its avoidance of commission‑based product compensation, and its custodial relationship that grants access to institutional services and tools typically used to support customized planning and portfolio administration.