Sandman Wealth Management

Sandman Wealth Management provides investment advice to individuals, high‑net‑worth investors, and corporate or business clients, and also serves qualified retirement plans. The firm offers discretionary asset management, financial planning and consulting, a co‑advisor relationship with Gradient Investments for managed portfolios, and ERISA plan services including limited‑scope 3(21) fiduciary support.

The firm builds investment programs around client goals, time horizons and risk tolerance, employing fundamental, technical and cyclical analysis and conducting regular (typically quarterly) account reviews; it generally manages accounts on a discretionary basis and implements rebalancing and tax‑aware actions as appropriate. For clients in the co‑advisor program, Sandman selects and monitors model strategies provided by Gradient while retaining the client relationship and oversight responsibilities.

Sandman is notable among similar independent advisors because both principals are licensed insurance agents and periodically offer insurance products (Sandra Minardi spends about 30% of her time on insurance activities and Emanuel Minardi Jr. about 10%), a revenue source disclosed as a potential conflict of interest. The firm’s pension consulting and ERISA 3(21) plan services are also atypical for peers, and Sandman shares management fees with its co‑advisor partner and participates in Gradient’s long‑term incentive arrangement.