Merino Wealth Management

Merino Wealth Management serves individuals, high‑net‑worth individuals, and business clients with portfolio management and financial planning services. Offerings described in the brochure include individually tailored investment management, ongoing comprehensive planning for a fixed annual fee, project‑based financial planning for limited engagements, and recommendations of third‑party managers (TAMPs); the firm also invites clients to use a cash‑management aggregator called Flourish Cash.

The firm describes an investment process rooted in Modern Portfolio Theory, creating client‑specific investment policy statements and asset‑allocation targets, with discretionary account supervision subject to client‑imposed written restrictions. MWM conducts due diligence and periodic monitoring of third‑party managers and underlying holdings, provides semi‑annual reporting to investment clients, and typically uses Charles Schwab for custody and trade execution.

Compared with many peers, the brochure indicates MWM advertises third‑party ratings in its materials and has recently added project‑based planning and disclosed the ability to use standing letters of authorization. The firm also emphasizes its Flourish Cash offering, the use of TAMPs for some accounts, and the professional credentials of its principals (CFP and CIMA), while reporting roughly $47.2 million in AUM across three advisors and 83 clients.