Twin Harbors Wealth Management LLC

Twin Harbors Wealth Management offers discretionary and non‑discretionary investment management, financial planning and retirement plan advisory services to a mix of clients that the brochure lists as individuals, high‑net‑worth clients, trusts, estates, charitable organizations, churches, corporations and pension/profit‑sharing plans. The firm’s stated services include ERISA retirement plan advisory and consulting, including plan‑level investment management and participant education.

The firm describes a customized, asset‑allocation approach using ETFs, mutual funds and, where appropriate, individual securities, with periodic rebalancing and analysis informed by fundamental, cyclical and modern‑portfolio‑theory methods. Twin Harbors operates as a fiduciary and manages accounts with both discretionary and non‑discretionary authority, and it can implement plan‑level actions such as replacing funds in a plan lineup under an ERISA 3(38) arrangement.

Compared with many small independent advisers, Twin Harbors’ client mix and service set is atypical for its size: the brochure specifically identifies pension and profit‑sharing plans, charitable organizations, churches and corporations among its client types and describes ERISA 3(38) plan management and participant education. The brochure also notes that account valuations are calculated “not adjusted by any margin debit,” indicating the firm’s use of borrowing in managed accounts—a practice that is uncommon among independent firms.