Port Orchard, WA Office

Change Wealth Advisors provides discretionary portfolio management and ongoing financial planning primarily for individual and high‑net‑worth clients. The firm tailors plans to clients’ goals, risk tolerance, and cash‑flow needs and does not impose a formal account minimum.

The firm’s investment approach is grounded in Modern Portfolio Theory and typically uses ETF, index fund, and mutual fund models to construct diversified, long‑term allocations and client‑specific model portfolios. CWA also employs higher‑risk strategies — including margin and options trading — and generally seeks discretionary authority to implement its investment recommendations.

Notable features that differentiate the firm include a requirement that client accounts be held at Schwab Institutional and disclosure that the firm may receive custodial research and services (soft‑dollar benefits) tied to that relationship. CWA is a recently formed, small advisory team that does not select third‑party managers, uses standing authorizations for third‑party transfers in some client accounts, and identifies a representative who maintains a non‑financial outside business as a flight instructor.