VWR Financial Advisory Services

Sapphire Income Solutions, LLC doing business as VWR Financial Advisory Services manages roughly $24 million on behalf of individuals, high‑net‑worth clients, pension and profit‑sharing plans, trusts, estates, charitable organizations and business entities. The firm provides investment management—primarily through mutual funds and asset‑allocation strategies—and financial planning services that cover retirement and education savings, life insurance needs analysis, and income tax planning.

The firm emphasizes active management and tactical oversight, using charting, technical and fundamental analysis alongside computer models to implement trades and periodic reallocations; some strategies are traded frequently and managed on a daily basis. Accounts may be managed on a limited discretionary basis for purchases and sales of mutual funds, ETFs, stocks and bonds, and advisory fees may be deducted directly from client accounts with client authorization.

Distinctive features include the firm’s involvement in brokerage and insurance activities: the principal is registered as a broker‑dealer representative and licensed for insurance, and the firm and associated persons may accept commissions and 12b‑1 fees from the sale of securities and variable products, though less than half of revenue is derived from such commissions and the firm does not charge both an advisory fee and a commission on the same assets. The firm also provides most basic financial planning to existing clients without charge while offering more detailed plans on an hourly or negotiated basis, and it assesses a modest early‑termination fee if the advisory agreement is ended shortly after inception.