Sandman Wealth Management

The firm provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, high‑net‑worth clients, and corporate retirement plans, and operates a co‑advisor relationship with Gradient Investments, LLC to offer model portfolio solutions. Firm principals are also licensed insurance agents and may offer insurance products to clients as a separate activity.

For individual accounts the firm implements discretionary model selection and portfolio monitoring using a blend of fundamental, technical, and cyclical analysis and employs both long‑ and short‑term strategies; when delegating to Gradient Investments the firm assists clients in model selection and retains ongoing discretion to maintain agreed risk tolerance. For retirement plans the firm commonly acts as a limited‑scope ERISA 3(21) fiduciary, assisting with investment policy statements, monitoring plan menu options, and providing participant education and enrollment support.

Noteworthy differences from many peers include the firm’s explicit pension‑consulting role (ERISA 3(21) plan services), which is relatively uncommon among independent advisers, and the material insurance brokerage activities—one principal spends roughly 30% of her time on insurance sales and another about 10%—with those relationships and potential conflicts disclosed in the brochure. The firm’s co‑advisor arrangement with Gradient Investments also includes fee‑sharing and an incentive participation feature, which shapes how third‑party manager services are delivered and compensated.