Vibrant Wealth

Vibrant Wealth is a small, state-registered independent advisory firm that provides discretionary asset management, financial planning, and a subscription-based financial coaching platform to individuals, small businesses, trusts, estates, pooled vehicles and charities. Services described in the brochure include ongoing portfolio management, tailored financial plans (hourly, fixed, or ongoing engagements), and an online coaching platform with a monthly call component.

The firm’s investment approach is client‑driven and tailored to stated objectives, using fundamental and technical analysis, asset allocation, periodic rebalancing, and risk management in constructing portfolios; discretionary authority is used when clients grant trading authorization and the firm may engage sub-advisors for management. Account reviews are performed at least annually (or more often as market conditions dictate), and the brochure highlights awareness of risks associated with asset classes including non‑U.S. securities, ETFs, and small- and mid‑cap holdings.

Compared with many peers, Vibrant Wealth discloses two atypical features: it reports a notable portion of its clientele outside the United States and its investment advisor representatives also act as licensed insurance agents and receive external compensation from insurance product sales, a potential conflict disclosed in the brochure and addressed through disclosure and compliance procedures. The firm operates as a solo practitioner managing roughly $23 million in discretionary assets for about 30 clients while offering sub-advisor arrangements and both planning and low-cost coaching options, which together distinguish its service mix from many similarly sized independent advisors.