A complete list of active advisors currently associated with Applied Financial Wisdom

Warmer can help you find a great advisor at Applied Financial Wisdom or one who fits your needs even better.

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.

To learn more about the advisors currently working at Applied Financial Wisdom, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Christopher Ruspi	New Market, MD	37

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