James Wheeler & Co. Advisors

The firm provides discretionary investment supervisory services and financial advice to individuals (including non–high-net-worth individuals), as well as to corporations and business entities, through consultations and ongoing portfolio management. The principal is also a licensed insurance agent and Medicare specialist and may, on occasion, offer insurance products or advice separately from advisory services.

Investment programs are implemented with client-specific Investment Policy Statements and typically use stocks, bonds, ETFs, and mutual funds, employing fundamental, technical, and cyclical analysis; accounts are reviewed at least quarterly and client objectives reassessed annually. The firm charges advisory fees based on a percentage of assets under management billed on a regular basis and may engage an independent sub‑adviser to manage certain client accounts.

Noteworthy features for a firm of this size include a small client base (roughly a dozen to a few dozen clients and single‑digit millions in assets under management), the principal’s outside insurance business which the brochure identifies as a potential commission conflict, and a disclosed NASD/FINRA enforcement history related to past mutual fund recommendations. The brochure also discloses that clients must custody assets at selected broker‑dealers (TD or Schwab) and that the firm receives custodial and research benefits, with policies described to mitigate related conflicts of interest.