Total Wealth Advisors, LLC

Total Wealth Advisors, LLC is a small, SEC-registered advisory firm with two advisors managing roughly $107 million for about 69 clients, serving individuals (including high-net-worth clients), pension and profit-sharing plans, and other business entities. The firm provides comprehensive financial planning—offered as fixed-fee plans or a $150/month subscription—and discretionary portfolio management and related services.

The firm’s investment approach combines asset allocation and fundamental analysis and it implements client strategies through a set of proprietary blended model portfolios (e.g., Capital Preservation I & II, Balanced I & II, Total Return I & II, Capital Growth I & II, and Equity Growth). Recommended investments include stocks, bonds, mutual funds, ETFs, REITs, options and alternative investments, and the firm typically executes and custody trades through a recommended custodian while offering both discretionary and non-discretionary arrangements.

What distinguishes this firm from many peers is that it operates as a wrap fee program sponsor—conducting portfolio management within a bundled-fee structure—and the owners also conduct affiliated insurance activities (life, accident & health, and variable annuities) and may receive commissions for insurance sales, a conflict the brochure discloses. The firm also notes a formal succession arrangement with a larger wealth firm and permits negotiated fee arrangements and householding, which are operational features that set it apart from many other similarly sized advisors.