Vivid Wealth Management LLC

Vivid Wealth Management is a small, independent advisory firm that serves individual and high‑net‑worth clients through financial planning and by recommending externally managed investment programs. Rather than directly managing client portfolios or charging a percentage‑of‑assets fee, the firm refers clients to third‑party money managers and facilitates client enrollment in those programs.

The firm evaluates client goals and risk tolerance, recommends a suitable third‑party manager (including Gradient Investments, LLC where disclosed), and monitors the manager’s performance while acting as a liaison and providing ongoing client service. In addition to advisory referrals, the firm’s principals conduct a separate insurance business (affiliated with Vivid Financial Group, LLC) and may receive insurance commissions.

Notable deviations from common peer practices include that the firm does not directly manage client assets or collect AUM fees itself, instead sharing in TPM advisory fees, and that its representatives receive both referral compensation and non‑cash benefits from its TPM relationship (marketing, technology, training, and trips). The firm also discloses prior misdemeanor convictions of its principal and that the principal spends a significant portion of time on the affiliated insurance business, which the brochure identifies as potential conflicts of interest and describes how they are mitigated.