Cyclus Wealth Management

Cyclus Wealth Management advises individuals, as well as trusts, corporations and retirement accounts, managing roughly $24 million across about 39 client relationships. The firm provides ongoing, discretionary investment supervision and also offers periodic financial consulting alongside portfolio management.

The investment approach emphasizes passively managed, no-load funds and diversified asset allocation guided by modern portfolio theory, with an explicit focus on low-cost funds and an internal emphasis on keeping average expense ratios low. Portfolio construction combines diversified equity funds with a bond sleeve that may include bond funds, laddered U.S. Treasuries, FDIC-insured CDs and municipal bonds where appropriate, and the firm applies a proprietary rebalancing method that incorporates asset-class volatility, expected return, covariance and tax considerations for taxable accounts.

What distinguishes the firm from many peers is its boutique scale and selective client acceptance, its proprietary, tax-aware rebalancing methodology, and the combination of traditional passive strategies with periodic discretionary adjustments based on valuation views. The firm also uses a custodian arrangement that supplements SIPC coverage with excess insurance, does not routinely aggregate trades across client accounts, and supplements investment management with standalone financial consulting services.