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Finance Wisdom

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Client assets under management

$58,359,964

Clients

128

2% high-net-worth

Advisors

3

of 4 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

More info

Clients per advisor

43

Typical

Average account size

$455,937

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

Financial planning Portfolio management Selection of other advisers

Expertise

Life insurance needs analysis Disability insurance General tax planning Wealth management College savings (529s, UTMA, etc.)

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Fee options

Fixed

Financial planning fees range from $1,500 to $10,000 for one-time plans

Percentage

2.00% annually (maximum, negotiable)

Commissions

Commissions may be received from sale of insurance products

Project-based

Up to $400 per hour for financial planning (Washington clients)

Subscriptions

Ongoing financial planning fees typically between $50 and $400 per month

Main office location

Finance Wisdom

Edgewood NM, United States

Number of offices

1

Most active in

More info

California · Colorado · Florida · Louisiana · Nevada · New Mexico · Oregon · Texas · Washington

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Website 505-217-9444

Advisors at this firm

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user avatar

Andrew M

Series 63, Series 65

Albuquerque, NM

Finance Wisdom

Andrew Melendrez is a Series 65 licensed financial advisor at Finance Wisdom with one year of industry experience. He has held roles at Finalis Securities, Now Capital Partners, and Affinity Ventures. Outside of advising, he is involved as a director at Now Capital Partners, focusing on helping business owners with mergers and acquisitions. Finance Wisdom serves individuals, families, and small businesses, managing about $56.1 million in assets across 126 client relationships. The firm employs Modern Portfolio Theory to build diversified, long-term portfolios primarily using low-cost ETFs and mutual funds, offering discretionary portfolio management alongside financial and insurance planning.

Life insurance needs analysis Disability insurance General tax planning Wealth management College savings (529s, UTMA, etc.)
user avatar

Hayden P

Series 63, Series 66

Sandy, OR

Finance Wisdom

Hayden Peterson is a financial advisor at Finance Wisdom with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including LPL Financial, Cambridge Investment Research, and Hornor Townsend & Kent Inc. Since 2024, he has also been an independent insurance producer assisting clients with life, disability, and long-term care insurance. Finance Wisdom is a registered investment adviser serving individuals, families, and small businesses with discretionary portfolio management and financial planning. The firm employs Modern Portfolio Theory, focusing on diversified, long-term portfolios using low-cost ETFs and mutual funds, supplemented by third-party research and proprietary portfolios.

Life insurance needs analysis Disability insurance General tax planning Wealth management College savings (529s, UTMA, etc.)
user avatar

Jeffrey M

Series 66

Edgewood, NM

Finance Wisdom

Jeffrey Mermilliod is a financial advisor at Finance Wisdom with nine years of industry experience. He holds a Series 66 designation and has worked at several firms including 20/20 Capital Management and Ameritas Investment Company. Outside of his advisory role, he serves as a board member for Meals on Wheels New Mexico, providing oversight and strategic leadership. Finance Wisdom is a registered investment adviser serving individuals, families, and small businesses with discretionary portfolio management and financial planning services. The firm employs Modern Portfolio Theory and focuses on diversified, long-term portfolios using low-cost ETFs and mutual funds.

Life insurance needs analysis Disability insurance General tax planning Wealth management College savings (529s, UTMA, etc.)
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