Adaptive Wealth Management, LLC

Adaptive Wealth Management is a small independent registered investment adviser serving individuals (including many high‑net‑worth clients), businesses, charities and pension plans, managing approximately $1.22 million for eight client relationships. The firm offers discretionary portfolio management and comprehensive financial planning services, including tax, insurance, retirement and estate planning, delivered through consultations and written plans.

The firm employs an active, market‑timing approach that uses trend‑following technical indicators and artificial intelligence (neural networks) to generate daily trading signals and to time short‑term positions in selected U.S. equity and bond instruments; models specify when to enter and exit and actively managed accounts are reviewed daily. It tailors strategies to each client’s financial circumstances, leverages a network of independent strategic partnerships, and occasionally selects outside money managers (including for alternative investments) to diversify client portfolios.

What is distinctive for this solo RIA is the combination of explicit market‑timing/AI-driven trading and the principal’s concurrent brokerage and insurance activities: the firm’s representative is a registered representative of a broker‑dealer, sells insurance products for commissions, acts as a solicitor for another asset manager, and receives portions of fees from recommended money managers. These fee‑sharing and commission arrangements, alongside the firm’s active timing methodology, are uncommon among independent solo advisers and represent potential sources of conflicts the firm discloses in its brochure.