Kedzior Wealth Management LLC

Kedzior Wealth Management provides ongoing portfolio management and financial planning to individuals, high‑net‑worth clients, and charitable organizations. The firm prepares an Investment Policy Statement for each client and recommends investments across mutual funds, equities, ETFs (including precious‑metal ETFs), fixed income, non‑U.S. securities, private placements and annuities.

KWML typically manages accounts on a discretionary basis, documents client risk tolerance and time horizon in the IPS, and delivers quarterly custodial reporting with at least annual reviews. Its investment process combines charting, cyclical, fundamental, modern portfolio theory, quantitative and technical analysis, and it employs both long‑term and short‑term trading strategies, including the use of margin.

Notably, the firm includes charitable organizations among its client types, which is uncommon for independent advisers of its size, and it requires clients to custody assets at Charles Schwab and Fortis Bank, participating in Schwab’s institutional program. A firm principal also conducts outside business activities as a licensed insurance agent, real estate broker and through a personal holding company, and the brochure discloses that the firm may offer commissionable insurance products and certain private placements that present potential conflicts of interest and are addressed in its policies.