WLTH Capital Management, LLC

WLTH Capital provides discretionary wealth management and portfolio management to individuals, high‑net‑worth clients, trusts, estates and businesses, along with standalone financial planning and cash management services. The firm also offers retirement plan advisory services, including acting as a 3(38) fiduciary, and uses third‑party access platforms to connect to and manage held‑away participant accounts.

The firm’s investment process is grounded in fundamental analysis and a generally long‑term approach, building portfolios primarily from mutual funds and ETFs and following a documented share‑class selection policy to favor lower‑cost institutional classes where appropriate. WLTH Capital aggregates client accounts in its core wealth‑management service to enable asset‑location strategies, while its Foundations and Legacy programs manage accounts separately and therefore do not apply coordinated asset‑location.

Noteworthy aspects of the firm include its use of third‑party aggregation platforms for held‑away accounts (the firm reports it bears platform costs rather than billing clients separately) and its explicit operational policies around share‑class selection and account aggregation. The combination of standalone planning and cash management offerings, formal 3(38) plan oversight, and differentiated program structures for smaller or decumulation‑phase clients distinguishes the firm from many peers.