Estero, FL Office

Meritum Wealth Management provides discretionary and non‑discretionary portfolio management, financial planning, and pension/401(k) consulting to individuals, pension and profit‑sharing plans, charitable organizations, and other institutional clients (including RIAs and proprietary trading firms). The firm prepares an Investment Policy Statement for each client and tailors services to individual goals, time horizons, and risk tolerances.

The firm’s investment process combines quantitative and qualitative methods — including charting, cyclical, fundamental, modern portfolio theory, and technical analysis — and employs long‑term and short‑term trading as well as options strategies. Portfolios are constructed from mutual funds, equities, ETFs (including leveraged and precious‑metal ETFs), and fixed‑income securities, and the adviser may use model allocations and specified custodians for execution.

A notable feature of the firm is that its personnel also operate a separate tax preparation/tax‑planning business (Meritum Tax Advisors LLC) and an independent insurance agency; the firm discloses these relationships, may recommend those services, and may waive tax‑service fees depending on account size while describing procedures to mitigate conflicts. Despite its relatively small size (three advisors and roughly $13 million in AUM), the firm offers pension consulting and institutional advisory work and engages in active strategies such as options trading, distinguishing it from many peers.