Derive Wealth

Derive Wealth serves individuals, families, high-net-worth clients, and small businesses with comprehensive financial planning and portfolio management. Services include cash-flow and retirement planning, tax and estate coordination, education and divorce planning, and business consultation, with the option to engage institutional sub‑advisors or third‑party managers as needed.

The firm’s investment approach combines fundamental analysis with a Core + Satellite framework, using low-cost indexed funds as the portfolio core and targeted sector or passive satellite holdings for additional diversification or tactical exposure. Portfolios are constructed from mutual funds, ETFs, equities, fixed income and REITs, are managed on a discretionary or nondiscretionary basis, and are reviewed periodically and on an event-driven basis.

A distinctive feature is the firm’s billing model: it assesses fixed advisory fees billed periodically rather than charging a percentage of assets under management, and it discloses that it does not receive transaction commissions, 12b‑1 fees, or performance‑based fees. The brochure reports approximately $141.29 million in discretionary client assets, notes a transition to SEC registration in 2025, and describes a preference for custody at a major institutional custodian while disclosing receipt of certain custodian‑provided services.