Fiwheels

FiWheels provides investment advisory and financial planning services to individuals, high‑net-worth clients, trusts, and estates, including income planning, retirement planning, investment management, retirement plan consulting for plan participants, and estate planning. The firm reports managing roughly $10.4 million in discretionary client assets across six clients and offers ongoing portfolio management alongside written financial planning engagements.

The firm’s investment process combines quantitative, fundamental, technical, and economic analysis and typically operates with discretionary authority to implement model allocations and trade decisions. Portfolios are structured using three proprietary “Wheels” — a Fixed Income Wheel, an Asset Allocation Wheel, and a Trading Wheel (the latter designed for frequent repositioning) — and the firm also manages held‑away retirement assets through a third‑party platform while placing trades through a qualified custodian.

FiWheels operates on a fee‑only basis and does not accept commissions; an uncommon feature disclosed in the brochure is that certain representatives maintain an affiliated insurance agent business for fixed insurance products but are contractually prohibited from earning commissions on those sales. The combination of a very small client base, the distinct “Wheels” account structure, and use of a third‑party held‑away platform for retirement accounts differentiates the firm’s operational approach from many peers.