Applied Financial Wisdom
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$130,000,000
Clients
151
Advisors
1
of 1 employees
About
Applied Financial Wisdom provides investment management and comprehensive financial planning to individual investors and business clients, and also works with retirement-plan participants. The firm’s services include discretionary portfolio management across taxable and retirement accounts, financial and estate planning, and pension consulting, as well as implementation support for annuities, 529 plans and 401(k) allocations (including work with TIAA‑CREF plan participants).
The firm combines fundamental, technical and cyclical analysis into a proprietary top‑down forecast to construct client‑specific portfolios and typically provides ongoing supervision, rebalancing and trade execution under discretionary authority. Investment strategies described in the brochure include long‑ and short‑term holdings, sector rotation, options and margin transactions, use of ETFs and mutual funds, and the option to engage third‑party money managers.
Compared with many solo independent advisers, AFW reports regulatory assets under management of $130,250,000 (approximately $90,250,000 discretionary and $40,000,000 non‑discretionary) and explicitly offers portfolio management for institutional clients and pension consulting. The firm’s advisers are dually registered (able to effect commissionable securities transactions through a broker‑dealer) and are licensed insurance agents who may receive commissions for insurance or securities sales, and the firm discloses a principal’s separate real‑estate rental activity as an additional revenue source.
Client services
Expertise
Fee options
Fixed fees for financial planning services generally not exceeding $10,000.
Commission-based compensation received by representatives registered with LPL Financial for securities sales; may include distribution or service fees from mutual funds.
Up to $500 per hour for initial or updated financial plans.
Fee-only: Hourly fees up to $500 per hour; fixed fees generally not exceeding $10,000; financial planning fees up to 3.00% per annum based on net worth or assets advised upon, all negotiable.
Main office
New Market MD
Advisors at this office
1
Most active in
Florida · Kansas · Maryland · New Hampshire · Pennsylvania · South Dakota · Texas · Virginia · West Virginia
Also doing business as
Alliance Of Wealth Advisors, LLC · Applied Financial Wisdom · D'andrea Financial · Independent Wealth Consultants, LLC · Landis Financial Services · Morgan Investment Services · Pa Financial Services · The Alliance Of Wealth Advisors, LLC · The Capital Group Of Virginia · Wealth Planning Concepts
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.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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