Abundance Advisers

Abundance Wealth Advisers is a small, independent advisory firm managing roughly $14.9 million for about 21 clients and provides discretionary asset management, financial planning, and education through seminars and workshops. Like most independent advisers, the firm charges percentage-of-AUM fees and offers portfolio management for individuals and high-net-worth clients as well as trusts and other entities.

The firm’s investment process is goal- and time-horizon driven, using fundamental analysis and an asset-allocation model that is generally passive with positions held over a year and quarterly (90-day) reviews and rebalancing. It also offers a distinct “Turtle & Hare” approach that pairs principal-protected investments (often insurance products held outside the advisory account) with leveraged ETFs, and it manages variable annuity subaccounts as part of client portfolios.

Noteworthy among peers, the firm provides ERISA retirement-plan services — including acting as a 3(38) investment manager for 401(k), 403(b), pension, and profit-sharing plans — and delivers pension consulting and participant education, services that are uncommon for independent firms of this size. The firm’s principal concurrently practices as a CPA, provides tax and retirement-plan administrative services, and sells insurance products; the brochure discloses these affiliations and describes procedures and fiduciary obligations intended to address the resulting conflicts of interest.