1B - Inbundance Wealth Management

Inbundance, LLC provides ongoing portfolio management and related financial planning to individuals, high‑net‑worth individuals, and business entities, managing roughly $12.1 million across about 54 client accounts. The firm offers portfolio management on a non‑discretionary basis and provides financial planning only to clients who receive its portfolio management services; it generally limits investments to mutual funds, fixed income, insurance products (including annuities), equities, and non‑U.S. securities.

The firm develops individualized Investment Policy Statements and pursues a long‑term trading approach informed by Modern Portfolio Theory, the Efficient Market Hypothesis, and the Fama‑French five‑factor model, documenting each client’s risk tolerance and time horizon. Because services are provided on a non‑discretionary basis, the adviser contacts clients before implementing changes and requires client approval of the security, number of shares or units, and whether to buy or sell.

Noteworthy distinctions include the firm’s affiliation with an insurance company owner (CKIM Investments Inc.) and the adviser’s role as a licensed insurance agent, which the brochure discloses and for which conflicts of interest are documented and disclosed to clients. The firm also commonly uses a co‑advisory arrangement with Matson Money (using Matson’s fund platform and billing processes), does not aggregate client trades, and does not take custody of client assets.