Deramus Wealth Management, LLC

DeRamus Wealth Management provides financial planning, pension consulting, and selection or referral to third‑party investment managers for a client base that includes individuals, high‑net‑worth households, corporations and pension or profit‑sharing plans. The firm emphasizes plan-level work and advisory services that direct assets to outside managers rather than directly executing client portfolios.

DWML conducts due diligence on third‑party advisers (for example, Dunham & Associates and Stonebridge) and relies on those managers to implement and review client accounts; it does not take discretionary trading authority or custody of client assets. Its analytic approach draws on fundamental, quantitative and modern portfolio theory methods and the firm may recommend long‑term and options strategies, while financial planning engagements are generally delivered as one‑time plans.

Noteworthy features relative to peers are that the firm reports nearly all assets as non‑discretionary and participates in performance‑based fee arrangements through referrals to third‑party managers, a structure the brochure identifies as a potential conflict that DWML manages by seeking best execution and avoiding systematic advantage. The firm’s work with corporate plan sponsors and its explicit pension consulting services (including written plan guidance and manager monitoring) are also less common among firms of its type and size.