Clovelly Wealth

Clovelly Wealth serves high-net-worth individuals and families, as well as retirement plans, trusts, corporations and nonprofit organizations, and does not generally provide services to non‑high‑net‑worth retail individuals. The firm offers ongoing portfolio management, one‑time financial planning engagements, tax preparation services (sometimes included with advisory arrangements), and referrals to unaffiliated third‑party professionals.

The advisor documents each client’s goals and risk tolerance in an Investment Policy Statement and typically manages accounts on a discretionary basis, employing cyclical, fundamental, quantitative analysis and modern portfolio theory within a long‑term trading framework. Portfolios may include a wide range of instruments — mutual funds, ETFs (including precious‑metal ETFs), fixed income, real estate funds/REITs, hedge funds, private equity and placements, structured notes and digital assets — and the firm may use model allocations while accommodating client‑imposed restrictions.

Noteworthy aspects of the practice include a very small client roster managed by a sole advisor, integration of tax preparation and a third‑party cash aggregator service (Flourish Cash) alongside investment management, and disclosed outside activities by the firm’s principal that the brochure identifies as potential conflicts of interest (with a stated policy not to recommend those outside businesses to clients). The firm also discloses it does not aggregate trades across clients and that it may receive research or other services from custodians (soft‑dollar benefits), factors prospective clients may wish to consider.