Vertical Wealth Management

Vertical Wealth Management provides discretionary asset management, comprehensive financial planning, fee-based insurance consulting, and ERISA retirement-plan advisory services to individuals (including high‑net‑worth clients) and pension and profit‑sharing plans. The firm typically places client assets with third‑party money managers and sub‑advisors and maintains the client relationship, oversight, and periodic reporting.

Investment work is driven by individualized Investment Policy Statements and a mix of fundamental, technical, charting and cyclical analysis, with account reviews generally on a quarterly basis. Vertical Wealth frequently hires or recommends TPMs and model providers (including platforms such as Altruist, AWM, SEI, Redwood, Orion and others), acts as a liaison to those managers, and discloses ongoing referral or platform arrangements as part of its oversight.

Distinctive features include the principal’s outside business activities in insurance sales and tax advisory/planning and the firm’s explicit ERISA 3(21) pension consulting practice, which together create service scope and potential conflicts that the firm manages through disclosure and fiduciary policies. The firm also delegates portfolio implementation to third‑party managers rather than voting client proxies itself, which differentiates its operating model from peers that retain direct portfolio management and proxy voting.