Carazo Wealth Management

Carazo Wealth Management provides asset management and financial planning services to individual and high‑net‑worth clients, and also offers educational seminars and workshops. Its advisory services include ongoing portfolio management for individual accounts and written financial planning covering cash flow, retirement, tax, and estate considerations.

The firm typically tailors strategies to each client’s goals, time horizon, and risk tolerance and may manage accounts on a discretionary basis, including the selection and oversight of sub‑advisors or further delegation to other money managers. Investment methods described in the brochure include fundamental analysis and the use of mutual funds, ETFs, options and other instruments, with accounts reviewed at least annually and allowing client‑imposed, written investment restrictions.

Notable features in the brochure that are less common among peers are the availability of financial planning on both an hourly ($250/hour) and fixed‑fee basis (up to $5,000) — including a stated right to waive the planning fee if a client implements recommendations through the firm — and an explicit policy of not using performance‑based or “side‑by‑side” fee arrangements. The brochure also discloses that supervised persons spend time selling insurance (about 20% of their time), a potential conflict the firm says it addresses through disclosure and fiduciary obligations, and the materials do not describe any private‑fund advisory services.