Frame Wealth Management

Frame Wealth Management is a registered investment adviser that offers a “Personal Chief Financial Officer” style wealth management program, providing discretionary investment management, advanced planning, financial planning, and relationship management to individuals, trusts, and charitable organizations. The firm’s brochure also notes that, as of December 31, 2025, it did not yet manage any discretionary or non-discretionary client assets.

The firm’s investment approach is grounded in Modern Portfolio Theory and a long-term, buy-and-hold orientation that emphasizes diversified, asset-class exposure primarily through no-load mutual funds and ETFs. Frame Wealth uses model portfolios and third‑party sub‑advisers and lists Dimensional Fund Advisors, Vanguard, Bridgeway and AQR among commonly recommended providers; it may also engage third‑party fixed‑income managers, incorporate ESG constraints at client request, and use Monte Carlo analysis in planning.

Distinctive features disclosed in the brochure include an affiliated law practice that provides estate planning, asset‑protection, probate and Medi‑Cal planning services under separate engagements, with the adviser acknowledging and disclosing the resulting conflict of interest. The firm also offers limited‑scope, often complimentary, second‑opinion services for professionals and business owners and relies on an outsourced sub‑adviser/back‑office relationship with Focus Partners | Advisor Solutions; it operates as a small, fee‑only firm with a single principal.