FRA Wealth Management LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
FRA Wealth Management provides investment advisory and financial planning services to individuals (including high-net-worth clients), corporations and trusts, delivering ongoing portfolio management on both discretionary and non-discretionary bases as well as modular and comprehensive financial planning that can address retirement, estate planning and education-savings needs. The firm’s advisory services include preparation of investment policy statements, Monte Carlo simulation risk analysis, asset-allocation recommendations, ongoing manager search and portfolio construction and transition.
The firm employs an open‑architecture investment model that blends passive and active managers, considers asset allocation, asset location and behavioral factors, and may incorporate alternative strategies where appropriate; it may also engage third‑party managers and use a turnkey asset management program through a third‑party provider for portions of client assets. FRA typically recommends custody with a major custodian and emphasizes client engagement and education in portfolio implementation and decision‑making.
FRA is wholly owned by a trust entity and maintains affiliations with a trust company and an insurance firm, which the brochure identifies as part of its corporate structure and related activities and that allow access to trust‑related capabilities and insurance products through affiliated channels. The firm also reports a relatively large client base managed by a small advisory team (over 900 clients with seven advisors) and discloses prior regulatory and legal matters in its ADV, including a resolved state registration matter and recent client litigation.
Client services
Expertise
Fee options
Financial planning fixed fees up to $10,000; review planning fees up to $5,000; one-time 401(k), 403(b), or 529 plan review & asset allocation recommendation fee of $250.
$0 - $499,999: 2.00% $500,000 - $999,999: 1.75% $1,000,000 - $1,999,999: 1.50% $2,000,000 - $4,999,999: 1.25% $5,000,000+: 1.00%
Main office
See office805 W. Hwy 50 Ste. B
O'Fallon IL 62269
Advisors at this office
5
Offices (2)
Most active in
Florida · Illinois · Missouri · Texas
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.
Trust company
They provide trust and estate administration services, typically for separate fees.
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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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.
Advisors at this firm
Luke C
Series 65
Winter Springs, FL
FRA Wealth Management LLC
Luke Curtis is a financial advisor with FRA Wealth Management LLC in Winter Springs, Florida. He holds a Series 65 designation and has eight years of industry experience, including time spent at Financial Resources of America and Raging Rivers Water Park. FRA Wealth Management provides investment advisory and financial planning services to individuals, corporations, and trusts, employing an open-architecture investment model that integrates both passive and active managers. The firm serves a broad client base through a small advisory team and offers comprehensive portfolio management and financial planning solutions.
David K
Series 65
O'Fallon, IL
FRA Wealth Management LLC
David Kurtz is a financial advisor at FRA Wealth Management LLC in O'Fallon, IL, holding a Series 65 designation. He has over 14 years of industry experience, including 12 years at Regions and 3 years with FRA Wealth Management. FRA Wealth Management provides investment advisory and financial planning services to individuals, corporations, and trusts, offering both discretionary and non-discretionary portfolio management along with comprehensive financial planning. The firm uses an open-architecture investment approach, combining passive and active strategies, and emphasizes client engagement and education.
Joseph R
CFP®, ChFC®
O'Fallon, IL
FRA Wealth Management LLC
Joseph Roosevans is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 10 years of industry experience. He is affiliated with FRA Wealth Management LLC in O'Fallon, Illinois, and has been president of Financial Resources of America, an insurance agency, since 1986. He also serves as president of FRA Trust, LLC, a trust representative office focused on estate planning. FRA Wealth Management provides investment advisory and financial planning services to individuals, corporations, and trusts, including high-net-worth clients. The firm uses an open-architecture investment model combining passive and active management, with services ranging from portfolio management to comprehensive financial planning.
Timothy D
Series 65
O'Fallon, IL
FRA Wealth Management LLC
Timothy Dew is a financial advisor with FRA Wealth Management LLC, holding a Series 65 designation and four years of industry experience. Prior to joining FRA Wealth Management in 2022, he worked for eight years at Logistic Resource Solutions. FRA Wealth Management provides investment advisory and financial planning services to individuals, corporations, and trusts, utilizing an open-architecture investment model that combines passive and active managers and addresses a variety of financial planning needs including retirement and estate planning. The firm manages a large client base with a small advisory team and offers both discretionary and non-discretionary portfolio management.
Michael N
Series 66
O'Fallon, IL
FRA Wealth Management LLC
Michael Nichols is a financial advisor with FRA Wealth Management LLC in O'Fallon, Illinois, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Mutual of America, The Prudential Insurance Company of America, Pruco Securities, LLC, and Wells Fargo Clearing Services LLC. Prior to his financial career, he had employment at The Sliced Pint and 54th Street Bar and Grill. FRA Wealth Management provides investment advisory and financial planning services to individuals, corporations, and trusts, with a focus on portfolio management and comprehensive financial planning. The firm uses an open-architecture investment model that integrates passive and active managers and offers access to trust and insurance products through affiliated companies.
Nicholas W
Series 65
O'Fallon, IL
FRA Wealth Management LLC
Nicholas Waeckerle is a financial advisor with FRA Wealth Management LLC in O'Fallon, IL. He holds a Series 65 designation and has been with FRA Trust since 2019. Prior to his current role, he worked in the restaurant industry and was involved with the First Baptist Church of O'Fallon. FRA Wealth Management provides investment advisory and financial planning services to individuals, corporations, and trusts. The firm uses an open-architecture investment model combining passive and active management, and offers both discretionary and non-discretionary portfolio management along with comprehensive financial planning.
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