Yule Creek Wealth Management, LLC

Yule Creek serves high‑net‑worth individuals and households and also acts as a sub‑adviser to family offices, providing discretionary investment management and portfolio construction. Its services include broad asset allocation portfolio management as well as fixed‑income‑only mandates and municipal bond management, with client objectives and constraints documented in Investment Policy Statements.

The firm typically implements diversified portfolios using low‑cost, liquid ETFs and may incorporate individual securities where appropriate, operating under discretionary authority while allowing clients to impose partial restrictions. For fixed income, Yule Creek combines top‑down duration and credit positioning with bottom‑up fundamental credit analysis — including issuer engagement and site visits — and its active equity approach uses ETF tilts and risk controls such as trailing stops.

Distinctive features for a small, two‑advisor practice include a pronounced municipal bond capability and ongoing sub‑advisory work for family offices, and both advisors hold the CFA charter. The firm requires Charles Schwab as the custodian for direct client relationships, aggregates household and sub‑advisory accounts for tiered treatment, and employs pre‑clearance and a rotation‑based allocation process to address potential conflicts in less liquid bond transactions.