James C Wangerin, CPA/PFS

The firm provides portfolio management services primarily to individual clients and also offers services to small businesses and non-profits, managing roughly 61 client relationships and about $5.15 million in assets. In addition to investment advice, the adviser is affiliated with an accounting practice and an insurance company and may offer accounting guidance and insurance products through those affiliated entities.

Clients may select discretionary management (implemented primarily via an automated advisor platform) or non-discretionary management (custodied at a discount broker), and the firm implements strategies using stocks, mutual funds, index funds, ETFs, bonds and stock options while monitoring accounts on both periodic and event-driven bases. The brochure notes use of short-term Treasury exposure (e.g., SGOV) and the use of options, and describes review triggers such as significant market moves and option expirations.

Distinctive features include the adviser’s dual role as an accountant and as an insurance agent under common control of affiliated firms—an uncommon combination among independent RIAs—and a current asset mix that is primarily non-discretionary rather than discretionary. The firm also combines automated-advisor onboarding and low-cost ETF access with a discount-broker custody option and discloses arrangements to direct clients to third-party advisers for which it may receive fee-sharing compensation.