6|21 Private Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
6|21 Private Wealth provides financial planning, investment management, retirement plan management, and advisory services to a small, selective client base that includes retirement plan sponsors, family offices, foundations, and a limited number of individuals. The firm also conducts educational seminars for groups and may recommend third‑party Outside Managers to implement discretionary portfolio mandates.
The firm’s investment approach emphasizes diversified asset allocation built around low‑cost ETFs and index funds, occasional individual securities and bonds held to maturity, and consideration of private markets and alternative strategies when appropriate. 6|21pw offers both tailored and Model Portfolio strategies, manages accounts on a discretionary basis, and provides clients with portfolio analytics, performance reporting, and periodic rebalancing.
Noteworthy distinctions include the firm’s small scale — roughly $12 million in client assets — and recent, disclosed affiliations: a concluded common‑ownership relationship with another advisory entity that continues as a business‑services arrangement, and common ownership of an affiliated insurance brokerage by a principal, each identified in the brochure as potential conflicts of interest. The brochure also highlights the firm’s use of model/illustrative portfolio results and client-facing performance analytics, and its offer of educational workshops — features that are less common among similarly supported firms.
Client services
Expertise
Occupation focus
Fee options
Flat fees may be negotiated for standalone financial planning or other consulting services
$0 - $250,000: $250,000 - $500,000: 1.6% to 2.0% $500,000 - $1,000,000: 1.00% $1,000,000 - $1,500,000: 0.90% $1,500,000 - $3,500,000: 0.80% $3,500,000 - $5,500,000: 0.70%
Minimum fee: $2,100 minimum for Model Portfolio management; $5,000 minimum for Tailored Portfolio management Fee-only: Fee-based advisory fees only; no commissions received by the firm
Main office
Tucson AZ
Advisors at this office
2
Most active in
Arizona
Also doing business as
6|21 Private Wealth · 6|21 Private Wealth, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Nicholas G
Series 65
Tucson, AZ
6|21 Private Wealth
Nicholas Gelso is a financial advisor at 6|21 Private Wealth with seven years of industry experience. He holds a Series 65 designation and has worked previously at Beckett Collective, Fortress Investment Advisors, and Wells Fargo. Gelso co-owns 6|21 Private Wealth and Beckett Collective, where he provides financial advice and dedicates a portion of his time during securities trading hours. 6|21 Private Wealth serves a selective client base including retirement plan sponsors, family offices, and foundations. The firm focuses on diversified asset allocation using low-cost ETFs and index funds, offering both tailored and model portfolio strategies alongside educational seminars and third-party manager recommendations.
James R
Series 63, Series 65, Series 66
Tucson, AZ
6|21 Private Wealth
James Rayroux is a financial advisor at 6|21 Private Wealth with five years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining 6|21 Private Wealth, he worked at NYLIFE Securities LLC and NewYork Life Insurance Company. He is also the owner of Spinnaker Health, LLC, a firm that brokers group fixed life and health insurance products. 6|21 Private Wealth provides financial planning, investment management, and retirement plan advisory services to a select client base including retirement plan sponsors, family offices, and foundations. The firm emphasizes diversified asset allocation using low-cost ETFs and index funds, along with occasional individual securities and alternative strategies, offering tailored and model portfolio approaches with discretionary management and client reporting.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)