Armour Wealth Advisors, LLC

Armour Wealth Advisors serves individual investors—including both high-net-worth and non-HNW clients—along with trusts, estates and other business entities, offering comprehensive financial planning and discretionary portfolio management. The firm reports managing about $110 million in client assets and operates with a small advisory team.

Portfolios are built mainly with mutual funds and ETFs diversified across US and international equities, fixed income and real estate, and the firm emphasizes a disciplined, behavioral approach intended to avoid emotion-driven mistakes. Clients seeking ESG considerations can receive screened fund solutions, and advisers encourage maintaining one to two years of cash liquidity as part of the planning process.

Armour operates exclusively on a bundled (wrap) fee that covers advisory and transaction costs and requires clients to custody assets at Charles Schwab, a structure that the brochure discloses creates potential conflicts because the firm receives Schwab services and a contingent benefit tied to Schwab assets. The firm recently moved to SEC registration (February 2026), does not charge separate fees for financial planning, does not manage alternative or illiquid investments brought in by clients, and sends proxy materials directly to clients rather than voting proxies on their behalf.