Wealth Team LLC

Wealth Team LLC provides discretionary asset management and financial planning to a range of clients, including individuals, high‑net‑worth individuals, trusts, estates, charitable organizations, and business entities. Services described in the brochure include ongoing portfolio management, management of held‑away accounts through a third‑party connection for defined‑contribution participant accounts, and both one‑time and ongoing financial planning and consulting.

The firm tailors investment programs to each client’s goals, time horizon, and risk tolerance, using fundamental, technical, and cyclical analysis and employing long‑ and short‑term strategies (including potential option strategies) as appropriate. Accounts are reviewed at least quarterly, with rebalancing and other allocation changes made as deemed necessary and with attention to tax and fee considerations for underlying investments.

A notable feature is that the principal is a licensed insurance agent and maintains several outside business activities (including an insurance agency, book/educational product activities, and software development/marketing), devoting approximately 60% of his time to those pursuits and offering insurance products for separate compensation; the brochure discloses this conflict and identifies disclosures and firm procedures as mitigation. The combination of a solo adviser who actively manages held‑away retirement plan participant accounts via a third‑party platform while concurrently operating multiple outside businesses distinguishes Wealth Team from many independent peers and is a specific client consideration.