Clearwater, FL Office

Modern Wealth Management, LLC is a multi‑team SEC‑registered investment adviser that manages roughly $10.9 billion in assets through about 94 advisors, providing discretionary and non‑discretionary investment management, financial planning, and modular services for individuals, high‑net‑worth clients, trusts, estates, and employer‑sponsored retirement plans. The firm also offers tax, estate, and insurance‑related services through affiliated entities and maintains relationships with institutional clients, including banking and thrift institutions, and with plan participants through education and participant‑level advice.

Investment decisions are guided by a centralized Investment Committee and implemented by an Investment Management Team using model portfolios, third‑party money managers, and a mix of strategic allocation and tactical adjustments. MWM employs third‑party risk‑tolerance and scenario‑modeling tools and has disclosed use of automated or AI‑enabled workflow tools to support documentation and portfolio construction; it also manages held‑away accounts and variable annuity allocations where clients authorize access.

Distinctive operational features include an acquisition‑driven growth strategy with an integration process for onboarded advisers, a Public Safety Financial Division focused on municipal and public‑safety plan participants, and recent product additions such as a wrap fee program and a First Responder/Military fee discount. The firm discloses an affiliate ecosystem for tax, insurance, and estate‑funding services and an indirect minority ownership link between its private equity investor and a provider of certain ETFs, a potential conflict it documents in its disclosures.