Transformation Wealth Management, LLC

Transformation Wealth Management, LLC is an independent, single‑advisor firm that provides investment management, personal and business financial planning, and consulting to individuals, trusts, estates and business entities. The firm offers portfolio management through SEI-sponsored managed account and mutual fund model programs, direct management of held‑away retirement accounts via a third‑party platform, and referrals to third‑party managers.

TWM combines participation in discretionary SEI programs with a substantial portion of assets managed on a non‑discretionary basis — the firm reported $218,080 in discretionary and $293,976 in non‑discretionary assets as of December 31, 2025 — and conducts quarterly reviews with more frequent updates as market or client circumstances change. Financial planning services range from one‑time plans to ongoing engagement and business planning, and the firm monitors TPM performance while assisting clients with paperwork and account reporting.

Noteworthy features include the firm’s atypical mix of primarily non‑discretionary AUM for a solo independent adviser, the use of held‑away account technology to review and rebalance retirement plan participant accounts, and referral arrangements with third‑party managers that generate ongoing referral fees and potential adviser incentives; these arrangements and the principal’s limited insurance and other outside business activities are disclosed as potential conflicts of interest and are managed through disclosures and firm procedures.