Principled Wealth Advisors, LLC

Principled Wealth Advisors, LLC is an SEC-registered investment adviser that provides discretionary and non-discretionary portfolio management, financial planning, consulting, independent third‑party manager services, 3(21) retirement services, and discretionary 529 plan management for individuals, families, trusts, retirement plans, corporations, and foundations. The firm generally charges percentage-of-AUM fees and also offers standalone planning and project-based consulting engagements alongside its asset-management services.

The firm’s investment approach is built on Modern Portfolio Theory and strategic asset allocation, implemented across cash, equities, fixed income, mutual funds, ETFs, and, where appropriate, alternative investments or independent third‑party managers; it offers tiered service levels (Investment Guidance™, Wealth Guidance™, and Family Wealth Guidance™) that link investment oversight to broader planning objectives. Portfolios are typically managed on a discretionary basis, with emphasis on asset allocation, rebalancing, institutional share classes, and periodic reviews; the firm also uses TPMM models and custodial platform tools for implementation and monitoring.

What distinguishes Principled Wealth Advisors from many peers is its integration with custodial and platform arrangements—recommending SEI Private Trust Company and National Financial Services through Commonwealth Financial Network—and its use of third‑party money manager (TPMM) agreements and model portfolios, which provide access to institutional resources while generating economic benefits to the firm. The firm is a relatively small advisor team (two advisors) overseeing about $252 million in AUM, recently transitioned to SEC registration in 2026, and discloses transition loans tied to Commonwealth’s acquisition by LPL, a relationship it identifies as a potential conflict of interest to be managed.