Temperance Wealth Management

Temperance Wealth Management advises individuals (including high-net-worth clients), non-profits, businesses, and pension and profit-sharing plans, offering portfolio management, financial planning, and consulting services. The firm provides both discretionary portfolio management and stand-alone or ongoing planning engagements, with fee disclosures that include asset-based advisory tiers and monthly billing for ongoing planning or consulting services.

Investment decisions are informed by a mix of methods — including fundamental, technical, cyclical, and economic analysis — and may employ long- and short-term purchases as well as strategic asset allocation. TWM frequently uses third‑party money managers and model providers accessed through the AssetMark platform (including an Advisor Model where the firm may retain discretionary trading authority) and states it weighs model outputs alongside professional judgment when making allocations.

What distinguishes the firm from many peers is the combination of subscription-style ongoing billing for planning, routine use of third‑party managers and pooled or private placement vehicles (with an outlined due diligence process), and a range of offered services such as securities‑backed lines of credit. The brochure also discloses that some principals are licensed insurance agents, the firm may receive platform or custodian economic benefits (including expense reimbursements from AssetMark and third‑party managers), and it serves certain institutional account types in addition to individual clients.