Julie A. Wurst, CFP, LLC

The firm works with individual clients — including high-net-worth individuals — and also provides advisory services for small businesses and trusts. Its services include ongoing investment management (discretionary and non-discretionary), comprehensive financial planning, and time-limited or project-based consulting engagements.

Investment decisions emphasize a globally diversified, low-cost approach using primarily index mutual funds and ETFs, with individual bonds used when client portfolios justify them; portfolios are constructed by asset allocation, monitored, and periodically rebalanced to align with client risk tolerance. Advice and deliverables are tailored to each client’s needs and are provided through meetings, phone, and email, with clients able to choose between written or oral reports as part of the engagement terms.

Notably, the firm does not charge advisory fees as a percentage of assets under management; instead, fees are structured as a fixed annual advisory fee derived from its hourly-based billing and billed in arrears, which is uncommon among peers. The brochure also discloses that the firm accepts no product-based compensation, custody is facilitated through Schwab Advisor Services (bringing technology and operational support), it does not participate in wrap-fee programs, and it manages a relatively small client roster with approximately $48.7 million in discretionary AUM.