Fluence Wealth Management LLC

Fluence Wealth Management LLC provides non‑discretionary investment management and pension consulting primarily for employee benefit plans (defined contribution and defined benefit plans) and, to a lesser extent, individual clients. The firm, founded in 2024, has not yet begun managing client assets and states it tailors advice to clients’ financial information, goals, risk tolerance, and time horizon.

The firm’s investment approach emphasizes diversified, risk‑based portfolios and a belief that long‑term returns are driven by asset allocation rather than market timing, typically implemented through no‑load mutual funds, ETFs, stocks, bonds and cash instruments. For plan clients it performs plan governance and participant education services and routinely evaluates and recommends a particular independent manager (Focus Partners Advisor Solutions, LLC) to implement plan investments, conducting due diligence on performance history and risk profile.

Fluence is notable for its affiliation with a separate CPA practice, Fluence LLC, whose owners overlap with the adviser’s ownership; the brochure discloses that clients may become clients of both entities and that this dual relationship creates a potential conflict of interest that is disclosed to clients. It is also uncommon among peers in this category that the firm formally selects and engages other advisers for plan management, and the firm states it will act as an ERISA fiduciary for covered retirement plan engagements.