Pearl Wealth LLC

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Client assets under management

$109,863,770

Clients

100% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

$6,462,575

About

Pearl Wealth provides discretionary investment management, financial planning, and retirement plan advisory services to individuals, high‑net‑worth families, trusts, foundations, charitable organizations, and employee retirement plans. The firm also works with clients who engage unaffiliated independent managers and may assist with due diligence and monitoring of private investment offerings.

The firm’s investment process is primarily long‑term and fundamentally driven, with Investment Policy Statements used to set targets and guide portfolio construction, typically through ETFs and diversified mutual funds and, when appropriate, alternative exposures. Pearl Wealth acts as a fiduciary, conducts regular portfolio reviews, and will recommend reallocations for reasons that include tax considerations, risk exposure, or changes in client objectives.

Compared with many peers, Pearl Wealth operates with a very small client roster and a practice focused on higher‑asset relationships, which yields relatively concentrated client accounts and discretionary oversight. The advisor also offers 3(21) retirement plan services, performs private‑investment due diligence, is led by a CFP with legal and business training, and recently transitioned from state to SEC registration while maintaining an institutional custody relationship that provides technology and operational support.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management Private / alternative investments Retirement plans for business owners (SEP, solo 401k)

Fee options

Fixed

Fixed fee financial planning engagements negotiated based on expected hours and duration

Percentage

$0 - $1,000,000: 1.00% annually $1,000,001 - $3,000,000: 0.70% annually $3,000,001+: 0.50% annually

Project-based

Financial planning services billed at $750 per hour

Other

Account minimum: $2,000,000 Minimum fee: Minimum annual fee of $10,000, negotiable and may be waived at Advisor's discretion Fee-only: Investment advisory fees based on AUM; Financial planning services billed at $750/hour or negotiated fixed fees

Main office location

Pearl Wealth LLC

Boulder CO, United States

Number of offices

Most active in

Colorado · Iowa

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 303-250-0036

Advisors at this firm

Katie S

CFP®, Series 65

Des Moines, IA

Pearl Wealth LLC

Katie Stych is a CFP® with five years of industry experience, currently serving as an advisor at Pearl Wealth LLC. She previously worked at Abacus Wealth Partners and Morningstar Investment Management. Outside of her advisory role, she provides financial coaching through Your Watershed Moment, LLC and participates in group financial literacy coaching with Deeper Than Money. Pearl Wealth LLC offers advisory services to individuals, high-net-worth clients, families, trusts, estates, foundations, charitable organizations, and retirement plans. The firm employs a long-term, fundamental-analysis investment approach, utilizing ETFs, diversified mutual funds, independent managers, alternatives, and impact funds as appropriate.

Wealth management Private / alternative investments Retirement plans for business owners (SEP, solo 401k)

Debra H

Series 65

Boulder, CO

Pearl Wealth LLC

Debra Huttner is a financial advisor at Pearl Wealth LLC in Boulder, Colorado, holding a Series 65 designation with 12 years of industry experience. She has been with Colorado Capital Management, Inc. since 2013. Pearl Wealth LLC provides advisory services to individuals, high-net-worth clients, families, trusts, estates, foundations, charitable organizations, and retirement plans. The firm employs a long-term, fundamental-analysis investment approach with portfolios typically constructed from ETFs and diversified mutual funds, and offers discretionary investment management, financial planning, and retirement-plan advisory services.

Wealth management Private / alternative investments Retirement plans for business owners (SEP, solo 401k)

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