Patriot Wealth Advisors Llc

The firm offers written financial planning and consultative services to individual and high-net-worth clients, and primarily acts as an advisor that selects and monitors third‑party investment advisers rather than managing portfolios directly. It provides an initial consultation, tailors plans to client goals and risk tolerance, and requires clients to authorize services through a formal agreement.

Rather than providing discretionary portfolio management, the firm recommends and enters co‑advisor arrangements with third‑party advisers who handle day‑to‑day portfolio construction, trading, reporting and custody while the firm monitors performance and meets with clients at least annually. Recommended investment approaches typically rely on asset allocation principles and Modern Portfolio Theory, though fundamental and tactical allocation strategies may also be suggested depending on client objectives.

A noteworthy feature is that the firm’s owner is a licensed independent life insurance agent who may recommend and sell insurance products (the owner spends modest monthly time on this activity), a practice the brochure identifies as a potential conflict of interest that the firm discloses to clients. The brochure also discloses prior regulatory and arbitration matters involving the owner — including a FINRA proceeding that resulted in a suspension that was reflected in a concurrent state suspension (both of which have expired) and past arbitration settlements in which the owner made contributions without findings of fault — and it acknowledges receipt of referral incentives from some third‑party advisers.