Complete Wealth Management, LLC

Complete Wealth Management provides investment advisory and financial planning services to individuals (including high‑net‑worth clients), small businesses, charities, trusts, estates, and retirement plans. The firm reports approximately $132.5 million in assets under management, operates with two advisors, and generally requires a $250,000 account minimum (negotiable in some cases).

The firm applies a Modern Portfolio Theory framework and offers discretionary portfolio management, investment policy statement (IPS) development, periodic rebalancing and reviews, and access to third‑party money managers. It uses custodial and execution relationships that include Charles Schwab and the Betterment for Advisors platform (including Advisor‑designed Custom Portfolios) and provides ERISA 3(21) fiduciary services for qualified retirement plans when engaged.

What is distinctive about this firm is that its advisory personnel are also licensed insurance agents and the firm has an affiliated insurance agency, and it recommends and may sell insurance products (including variable and indexed annuities) for which the advisers can receive commissions and incentive awards—conflicts the brochure discloses. The firm also acts as a sub‑adviser on Betterment’s wrap program and discloses receipt of platform support services and fee arrangements that could influence custodial or platform recommendations.