Nergard Wealth Management, LLC

Nergard Wealth Management provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, high‑net‑worth clients, trusts, business owners and estates. The firm delivers ongoing portfolio management through direct advisory relationships, sub‑advisors and the LPL Strategic Wealth Management program, overseeing roughly $21.3 million in discretionary client assets across a limited number of accounts.

The firm’s process blends fundamental, technical, charting and cyclical analysis and typically invests in mutual funds, equities, ETFs, fixed income and options, with discretion to trade and hire sub‑advisors as appropriate. The brochure discloses use of derivatives (options) in managed accounts and notes the potential for borrowing in separately managed accounts, and describes the specific risks attendant to options strategies such as covered call writing.

Noteworthy distinctions include the firm’s explicit ERISA 3(21) retirement‑plan services and pension/profit‑sharing plan consulting, services the brochure treats in detail and that are relatively uncommon among peers. The brochure also includes a prior disciplinary disclosure—a 2021 consent order related to unauthorized discretionary trades resulting in suspension and a fine—and describes the firm’s use of LPL’s custodial platform and related transition assistance and benefits, which it identifies as potential conflicts of interest.