Bloomington, IL Office

Rooted Wealth Advisors provides investment management and comprehensive financial planning to individual and high‑net‑worth clients, managing approximately $408.8 million in discretionary assets. Services described in the brochure include tailored portfolio construction using third‑party institutional managers, retirement and tax planning, estate planning, and delivery of written financial plans.

The firm’s investment process emphasizes fundamental analysis and the development of a client‑specific investment policy and asset allocation target, with discretionary authority granted via a limited power of attorney and quarterly account reviews. Rooted also describes operational features such as facilitating transfers into Schwab margin accounts and states it will only employ options or margin strategies if a client specifically requests them.

Compared with many peers, Rooted runs a high client load per advisor (roughly 200+ clients per advisor) and operates from multiple offices while using a team approach to provide redundancy and business continuity. The brochure also discloses that Rooted is a licensed insurance agency and that its financial professionals spend about half their time on insurance sales and services, a dual role the firm identifies as creating potential conflicts of interest and for which it has added related disclosures.