Culbreth Wealth Management

Culbreth Wealth Management provides fee-based asset management, financial planning, and pension consulting to individual and high-net-worth clients as well as plan sponsors and other organizational clients. The firm manages portfolios on a discretionary basis, offers standalone financial plans on fixed or hourly fees, and advises on alternative investments such as private placements and 1031 DSTs when suitable.

Its investment approach emphasizes asset-allocation strategies intended to optimize risk-adjusted returns, using a mix of mutual funds, exchange-listed securities, ETFs, and, for accredited or qualified clients, interval funds, private placements, and securitized real-estate or energy interests. The firm employs cyclical and technical analysis as part of portfolio construction and monitoring, performs regular rebalancing, and can manage held-away defined contribution plan positions through a third‑party platform.

Notable differences from many peers include its operation of a wrap fee program (with Schwab) and disclosed receipt of retrocession payments for certain promissory-note investments, arrangements the brochure identifies as potential conflicts of interest. The firm also has affiliated investment entities (including a private equity vehicle managed by an affiliated manager) and offers uncommon alternative solutions such as solar development placements with a one-time placement fee, all of which clients are advised to evaluate for suitability.