Custom Wealth Solutions
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Custom Wealth Solutions is a small advisory firm that provides discretionary asset management to individual and high‑net‑worth clients, managing roughly $26 million across about 45 client relationships. The firm delivers ongoing portfolio management and also offers managed solutions through the Orion Portfolio Solutions program, combining the firm’s advisory oversight with platform-based strategies.
Portfolios are built around documented client goals, time horizons, and risk tolerances, with periodic monitoring and quarterly reviews; the firm uses Monte Carlo planning techniques as part of its analysis. It also employs third‑party strategists and platform features—including custom indexing and disciplined equity sleeves—through the OPS program and requires clients to custody assets at major custodians.
The firm’s most distinctive feature is the principal’s affiliated insurance practice, an independent insurance agency that occupies a substantial portion of her professional time and from which she receives typical insurance commissions, an arrangement the brochure discloses as a conflict of interest. Operationally, the firm does not aggregate trades, does not vote client proxies, and relies on OPS to collect and remit platform fees—features that create an operational and compensation profile that differs from many peers.
Client services
Expertise
Fee options
$0 - $100,000: 0.35% (35 bps) platform administrator fee $100,000 - $250,000: 0.30% (30 bps) platform administrator fee $250,000 - $1,000,000: 0.20% (20 bps) platform administrator fee $1,000,000+: 0.10% (10 bps) platform administrator fee
Insurance product sales generate commissions separate from advisory fees
Account minimum: $50,000 Minimum fee: Annual sleeve minimum fee of $75 for accounts or sleeves under $100,000 Fee-only: Fee-only compensation, no commissions on advisory fees
Main office
Houston TX
Advisors at this office
2
Most active in
New Mexico · Texas
Also doing business as
Custom Wealth Solutions · K L Wealth Solutions · Karen Lea Pong, Sole Proprietor · Karen Pong, Sole Proprietor · Kl Wealth Solutions
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Deborah A
Series 63, Series 65
Houston, TX
Custom Wealth Solutions
Deborah Andrews is a financial advisor at Custom Wealth Solutions with 34 years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including Cetera Advisors LLC and Cambridge Investment Research Advisors, Inc. Andrews also operates an independent insurance agency, Andrews Financial Services, where she is an owner and agent. Custom Wealth Solutions is a small advisory firm serving individual and high-net-worth clients with discretionary asset management. The firm combines personalized portfolio management with platform-based strategies through the Orion Portfolio Solutions program and incorporates Monte Carlo planning techniques in its investment approach.
Karen P
CFP®, Series 63, Series 65
Houston, TX
Custom Wealth Solutions
Karen Pong is a CFP® professional with 33 years of experience in the financial services industry. She is the owner and sole advisor at Custom Wealth Solutions, a firm she established in 2025. Prior to founding her firm, she held roles at Woodbury Financial Services, Questar Asset Management, and Victory Financial Group. In addition to her advisory work, she owns and operates K L Insurance Services, an independent insurance agency. Custom Wealth Solutions provides discretionary asset management primarily to individual and high-net-worth clients, utilizing both direct and program-based portfolio management through the Orion platform. The firm integrates third-party strategists and employs planning tools such as Monte Carlo simulations to tailor investment programs to client objectives.
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