Principled Wealth Advisors, LLC

Principled Wealth Advisors provides discretionary and non-discretionary investment management, financial planning, consulting, and assets-under-advisement for individuals, families, trusts, retirement plans, corporations, and foundations. The firm also uses independent third‑party money managers and offers 3(21) retirement services and discretionary 529 plan management as part of its service menu.

The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes strategic and tactical asset allocation, with core offerings that include long‑term holdings, tactical tilts, and the use of mutual funds and ETFs; cash and cash-equivalents may at times represent a sizable portion of client portfolios. Planning and advisory services are organized into tiered programs—Investment Guidance™, Wealth Guidance™ (generally $1M+ AUM), and Family Wealth Guidance™ (generally $10M+ AUM)—with additional project‑based consulting available outside of AUM billing.

What is distinctive in this brochure is the firm’s documented industry affiliations: several investment adviser representatives are also registered representatives of Commonwealth Financial Network (a broker‑dealer), and the firm maintains third‑party manager (TPMM) arrangements and relationships with custodians such as SEI Private Trust Company and Commonwealth. Those dual‑registrations and TPMM agreements (and the attendant disclosures about commission‑based brokerage and manager fee layering) are less common among similar supported firms and are disclosed as potential sources of conflicts that the firm monitors and documents.