Lake Forest, IL Office

Macro Wealth Management serves individual and high‑net‑worth clients as well as pension and profit‑sharing plans, delivering comprehensive financial planning and directing implementation to third‑party money managers. The firm builds and updates client financial models using LEAP software, conducts annual reviews, and typically arranges investment management through third‑party advisers such as Symmetry Partners and AE Wealth Management rather than directly managing client portfolios.

The firm’s advisory work focuses on setting appropriate asset allocation and stock‑vs‑bond exposure through a client risk assessment, and it relies on manager‑constructed, broadly diversified portfolios (Symmetry portfolios are described as having exposure to over 40 countries and using funds from Dimensional, Vanguard, AQR, among others). Its stated methods of analysis include fundamental, technical, and cyclical approaches, and the brochure describes use of both long‑term and short‑term strategies as well as disclosure of risks for asset classes including cryptocurrencies.

Distinctive features noted in the brochure include the firm’s role as a licensed insurance broker/agent and its disclosure that principals may offer commissionable insurance products and receive commissions or referral payments (the brochure also discloses a 1% payment from a lender), creating potential conflicts of interest that are addressed in disclosures. The firm also highlights fee‑sharing arrangements with third‑party managers and discusses managing accounts billed on performance‑based fees in one section while another section states it does not accept performance‑based fees, making its compensation and implementation model more complex than is typical for peer team firms.