Turtle Wealth

Turtle Wealth is a fee-only registered investment adviser, newly formed in 2026, that targets individuals and high-net-worth individuals with wealth management and financial planning services. The firm currently reports no active advisors and no assets under management, and also offers group educational seminars and speaking engagements.

The firm’s investment approach emphasizes asset allocation grounded in Modern Portfolio Theory and a blend of passive and active strategies, with portfolios constructed from stocks, bonds, mutual funds, and ETFs and the ability to incorporate socially responsible (ESG) considerations on request. Financial planning engagements produce a written plan addressing topics such as retirement, tax-aware investment placement, estate planning, business planning, employee benefits optimization, cash flow, and risk management, and the adviser may exercise discretionary trading authority subject to client-imposed restrictions.

Noteworthy for a firm without active advisors or AUM, Turtle Wealth combines individual portfolio management and substantive written financial plans with a recurring educational-seminar offering charged on a fixed-fee basis, an uncommon mix for firms in this category. The firm does not act as a private fund adviser, operates on institutional custodial platforms (notably recommending Schwab and Altruist), and its principal brings a prior business-advisory background along with a recent graduate-level credential in wealth management.