Wealthy Choices (R)

Wealthy Choices provides personalized, fee‑based financial planning and investment advice to individuals, families and small businesses, addressing cash‑flow management, insurance review, retirement and estate planning, education funding and related topics. The firm’s brochure states it does not manage or trade client assets, does not accept custody, and that clients retain control and implement recommendations themselves.

The firm follows a discovery‑driven planning process documented with written evaluations and periodic reviews, using fundamental and technical analysis and third‑party research sources such as Morningstar, Bloomberg and Lipper. Compensation is structured through hourly, project and retainer arrangements rather than percentage‑of‑assets or performance‑based fees, with fees billed upon invoice and implementation left to the client’s discretion.

Distinctive disclosures include the firm principal’s role as a registered representative with LPL Financial and as an independent licensed insurance agent, and the brochure notes recommendations may be implemented through those channels with potential conflicts of interest disclosed. The firm also produces educational materials and media (books, articles, seminars and radio/television programming), does not vote client proxies, and emphasizes written planning deliverables, business continuity and information‑security practices, which differentiate it from many peers in its category.