Fearless Wealth

Fearless Wealth provides financial planning and discretionary portfolio management primarily to individual and high‑net‑worth clients, and also offers written financial plans and consulting. In addition to individual accounts, the firm indicates it can manage certain retirement or employee benefit plan accounts under ERISA Section 3(21)(A).

The firm emphasizes individualized portfolios with ongoing supervision and at‑least‑quarterly reviews, using economic, technical and cyclical analysis to implement strategies that can include individual stocks and bonds, ETFs, options (including option writing), margin, leveraged and inverse investments, and highly concentrated positions. It manages client assets on a discretionary basis and generally tailors portfolios and rebalances them to client goals and stated restrictions, with a $1 million account minimum for asset management.

Distinctive aspects include the firm’s acceptance of non‑individual plan clients (an uncommon service for peers) and several disclosed regulatory and client‑related events: a state registration penalty and a past client allegation that was settled with the firm’s insurer, which the brochure documents. The firm also notes limited written reporting by default (verbal reviews at least annually unless a client requests written reports) and operates with a small advisory team while managing its reported assets.