Lord Wellington Investments, LLC

The firm advises individuals and high‑net‑worth clients and provides financial planning services including retirement and tax planning, cash flow management, education funding, and legacy planning. It also coordinates with outside professionals as needed and refers clients to third‑party money managers for investment management.

The firm does not directly manage or custody client assets and does not accept discretionary trading authority; instead it recommends third‑party money managers, assists with paperwork and onboarding, delivers TPM disclosure documents, and reviews quarterly statements on behalf of clients. Investment analysis and trading are performed by the third‑party managers, who typically employ fundamental, technical, and cyclical analysis, and clients receive account statements directly from the custodians.

Distinctive aspects include that the firm’s principal maintains an active accounting and tax practice (occupying more than half of their time) and is a licensed insurance agent, resulting in formal affiliations with both an accounting practice and an insurance business and ownership interests in private investment entities; these relationships and referral arrangements are disclosed and subject to the firm’s conflicts‑of‑interest procedures. The firm’s model is also atypical among independents in that it does not provide portfolio management for individual accounts, does not use percentage‑of‑AUM fees, and generally serves HNW clients rather than a broader non‑HNW individual client base.