Finance Wisdom
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Finance Wisdom LLC provides discretionary portfolio management and financial planning to individuals, families, and businesses. The small firm manages roughly $58.4 million for about 128 client relationships with three advisors and offers both ongoing and one‑time planning engagements, as well as insurance product transactions including annuities.
The firm constructs diversified portfolios primarily using low‑cost ETFs and mutual funds, applies Modern Portfolio Theory, and relies on third‑party institutional research and model portfolios (including Wealthspire allocations) to tailor client portfolios. Accounts are managed on a discretionary basis with periodic reviews (at least annually) and electronic client access to performance, holdings, and balances through the custodian portal.
Compared with peers, Finance Wisdom both sponsors and manages a wrap/bundled fee program (with a separate wrap program brochure) and treats wrap accounts no differently than non‑wrap accounts. The firm also discloses that a principal is a licensed insurance agent and owner of an insurance agency and that one advisor has an affiliation with another broker‑dealer, so insurance sales and those outside affiliations are a material source of potential conflicts the firm documents in its disclosures.
Client services
Expertise
Fee options
Financial planning fees range from $1,500 to $10,000 for one-time plans
2.00% annually (maximum, negotiable)
Commissions may be received from sale of insurance products
Up to $400 per hour for financial planning (Washington clients)
Ongoing financial planning fees typically between $50 and $400 per month
Main office
See officeEdgewood NM
Advisors at this office
1
Offices (3)
Most active in
California · Colorado · Florida · Louisiana · Nevada · New Mexico · Oregon · Texas · Washington
Also doing business as
Finance Wisdom · Finance Wisdom LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Andrew M
Series 63, Series 65
Albuquerque, NM
Finance Wisdom
Andrew Melendrez is a financial advisor at Finance Wisdom with Series 63 and Series 65 designations and one year of industry experience. He has held roles at Finalis Securities LLC, Now Cap LLC, and Finance Wisdom LLC. Outside of his advisory work, he serves as a director at Now Capital Partners, where he is involved in investment banking activities focused on assisting business owners with mergers and acquisitions. Finance Wisdom LLC provides discretionary portfolio management and financial planning services to individuals, families, and businesses. The firm manages approximately $58.4 million and employs diversified investment strategies primarily using low-cost ETFs and mutual funds with a discretionary management approach.
Hayden P
Series 63, Series 66
Sandy, OR
Finance Wisdom
Hayden Peterson is a financial advisor at Finance Wisdom with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at LPL Financial, Cross Financial Advisors, and Cambridge Investment Research among others. In addition to advisory work, he operates as an independent insurance producer, assisting clients in obtaining life, disability, and long-term care insurance. Finance Wisdom LLC provides discretionary portfolio management and financial planning services to individuals, families, and businesses. The firm manages approximately $58.4 million across about 128 client relationships, using diversified portfolios structured with low-cost ETFs and mutual funds and applying Modern Portfolio Theory.
Jeffrey M
Series 66
Edgewood, NM
Finance Wisdom
Jeffrey Mermilliod is a financial advisor with Finance Wisdom LLC, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at 20/20 Capital Management, Ameritas Investment Company, Finity Group, and Waddell & Reed. He served in the US Air Force Reserve for 13 years. Outside of his advisory work, he is an independent insurance agent and a board member of Meals on Wheels New Mexico. Finance Wisdom LLC provides discretionary portfolio management and financial planning services to individuals, families, and businesses. The firm manages diversified portfolios primarily using low-cost ETFs and mutual funds, applying Modern Portfolio Theory and institutional research, with accounts managed on a discretionary basis and regular performance reviews.
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