Guzman Wealth Management

Guzmán Wealth Management provides asset management, financial planning, and retirement plan consulting to individual and high-net-worth clients, and may recommend third-party money managers for portions of client portfolios. The firm also offers project-based financial planning and tax preparation services through an affiliated CPA firm, and provides advisory support to retirement plan sponsors as part of its service mix.

The firm’s investment process draws on fundamental and technical analysis as well as modern portfolio theory and uses both long- and short-term strategies; accounts are managed on a non-discretionary basis only, so client authorization is required before trades are executed. Guzmán Wealth Management may also recommend outside money managers and receive a portion of advisory fees paid to those third parties, and it serves in a 3(21) fiduciary capacity when advising employer-sponsored plans.

Noteworthy distinctions include the firm’s affiliation with a CPA practice for tax preparation (the firm discloses use of third‑party providers, including offshore contractors, for draft work), and the principal’s roles as a licensed insurance agent and mortgage loan officer, through which commission-based compensation and other product sales may be earned — conflicts the firm discloses and says clients are not required to accept. The firm manages roughly $21 million for a small client base and explicitly discloses fee‑sharing with third‑party managers and potential commissions on insurance and other financial products.