William Palmer Associates, LLC

William Palmer Associates, LLC provides discretionary investment management and complimentary financial planning to individual clients. The firm also serves institutional clients including pension and profit‑sharing plans, qualified retirement plans, trusts, foundations and small businesses, and offers participant education and pension consulting as part of those services.

The firm's investment approach is rooted in Modern Portfolio Theory and emphasizes long‑term, buy‑and‑hold asset allocation implemented primarily with broadly diversified, passively managed mutual funds and ETFs; written investment policy statements and Monte Carlo analysis are used to tailor allocations to client goals. For certain mandates the firm employs third‑party model portfolios and sub‑advisors — including Focus Partners Advisor Solutions and DFA funds for research and portfolio models — and may retain specialized fixed‑income managers for separate bond portfolios.

What distinguishes the firm is the combination of retail wealth management with employee benefit and pension consulting services, an offering that is relatively uncommon among similarly sized independent advisors. The firm also integrates third‑party model portfolios and discretionary sub‑advisors into client accounts and has a formal business continuity and succession arrangement with its sub‑advisory partner, which may be atypical for a small advisory practice.