St. Augustine, FL Office

Confidence Wealth Management, Inc. manages roughly $454 million on behalf of individuals, high‑net‑worth clients, retirement plans, trusts, estates, and business entities through a team of nine advisors. The firm offers discretionary and non‑discretionary portfolio management, financial and retirement planning, fiduciary consulting for employee benefit plans, and the selection and oversight of third‑party advisers and sub‑advisers.

CWM primarily implements proprietary model portfolios and asset‑allocation frameworks, supplemented by third‑party managers, and combines passive ETFs with actively managed mutual funds across strategies such as Conservative Core, Balanced Risk (risk‑parity), Moderate Income and traditional core portfolios. The firm’s process uses charting, fundamental and technical analysis, emphasizes downside risk management and diversification, and typically exercises discretionary authority for managed accounts.

What is noteworthy relative to peers is the firm’s affiliation with licensed insurance agencies and the fact that some advisors are also licensed insurance agents who may receive commissions when clients purchase insurance products through those affiliates, a relationship the brochure identifies as a potential conflict of interest. The brochure also discloses participation in a custodial advisor program that provides research and other services to the firm, and the regular use of third‑party managers alongside in‑house models, which can affect how investment programs are implemented.