Winter Springs, FL Office

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.