Denver, CO Office

Darwin Wealth Management is a registered investment adviser that serves individuals (including high net worth clients), corporations and other business entities with discretionary and non‑discretionary portfolio management, financial planning, pension consulting and financial consulting services. The firm also manages householded accounts for clients and offers a web‑based advisory option through the Betterment for Advisors platform.

Their investment process is tailored to each client's objectives and risk tolerance and can combine firm‑developed models, third‑party model portfolios, sub‑advisers and TPMMs; Darwin documents two distinct model platforms (Darwin Legacy and Darwin Prime) and uses a mix of long‑term, technical, fundamental and tactical strategies, including options in certain accounts. For web‑based accounts, Betterment executes and rebalances portfolios under Darwin’s oversight and clients enter a separate agreement with Betterment.

Notable distinctions in the brochure include an affiliated insurance agency (Darwin Insurance Group, LLC) whose agents receive commissions for insurance sales and the firm’s recent introduction of fee‑based annuity offerings, both of which the firm discloses as potential conflicts of interest. The firm also highlights operational details that may be atypical for peers — for example, separate model platform availability (with some models restricted to legacy clients), the inclusion of certain held‑away assets in fee calculations in limited circumstances, and the practice of submitting advisory fee invoices to custodians for debit.