Overture Wealth Management

Overture Wealth Management is an independent, fee-only advisory firm that provides discretionary wealth management and financial planning to individuals, high-net-worth clients, and charitable organizations. The firm offers ongoing investment management and historically provided standalone and project-based financial planning, though it is no longer accepting new clients for standalone planning services while existing engagements continue under their current contracts.

The firm’s investment process emphasizes strategic asset allocation informed by Modern Portfolio Theory and can use a mix of passive and active vehicles across stocks, bonds, mutual funds, ETFs, and municipal securities; it can also construct socially responsible portfolios when requested. For clients receiving investment management, Overture typically manages accounts on a discretionary basis and incorporates a written financial plan into its wealth management service rather than requiring a separate planning engagement.

Noteworthy aspects include a related tax-preparation affiliate under common ownership that the firm may recommend to clients, a relationship the brochure discloses as a potential referral conflict of interest while noting services and compensation are separate. The firm also departs from the common percentage-of-assets model used by many peers by charging fixed fees for wealth management and maintaining a fee-only, non-commission-based practice; it does not participate in wrap fee programs and does not aggregate (block) trades.