Deramus Wealth Management, LLC

DeRamus Wealth Management, LLC serves individuals, high‑net‑worth clients, pension and profit‑sharing plans, and corporate or business entities, providing financial planning, estate‑planning coordination, pension consulting, and selection/referral to third‑party investment managers. The firm generally provides non‑discretionary advice, does not take custody of client assets, and does not exercise discretionary trading authority over client accounts.

Rather than directly managing client portfolios, DeRamus typically directs assets to selected third‑party advisers (for example, Dunham & Associates) after conducting due diligence and provides ongoing monitoring and coordination. Its analytical methods include fundamental, quantitative, technical analysis and modern portfolio theory, and recommended strategies may include long‑term investing, options trading, and allocations to mutual funds, ETFs, hedge funds and private equity.

Distinctive features include participation in performance‑based fee arrangements through a third‑party manager—of which the firm receives a portion—and a client base with a large share of non‑discretionary AUM and institutional plan clients, which is uncommon for similar independent firms. The firm also offers pension consulting and estate‑planning coordination and discloses fee‑sharing arrangements and its principals’ outside business activities as potential conflicts that it says it manages through disclosure and oversight.