WB Financial Services, LLC

WB Financial Services, LLC serves individual clients, high net worth individuals, and trusts, providing personalized financial consultations on objectives, cash flow, retirement planning, and education funding. The firm does not directly manage or custody client assets; instead it refers clients to independent investment advisors who implement and oversee portfolios.

WB Financial Services tailors relationships through initial and periodic reviews of investment objectives and risk tolerance and communicates those preferences to third‑party managers. It does not sell commissioned products or accept performance‑based fees and is compensated by receiving a portion of the management fees paid to the independent advisors under written referral arrangements.

What is distinctive about WB Financial Services is its affiliation with a certified public accounting practice: one of the firm’s principals is a partner in an accounting firm and spends the majority of professional time in that practice, which can create a closer integration with tax and accounting considerations than many peers. The firm’s operating model — not taking custody, not directly managing assets, and being paid via fee‑sharing referrals while maintaining no account minimum and a small client base — is less common among supported advisers.