Welcome Home Wealth Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides discretionary asset management and financial advisory services to individuals, business entities, and qualified retirement plans, including acting as a limited-scope ERISA 3(21) fiduciary. It also facilitates use of Sub‑Advisors and Third‑Party Managers and performs ongoing monitoring and administrative liaison services for those relationships.
Investment programs are established around each client’s stated goals, time horizon, and risk tolerance and implemented using methods that include fundamental and technical analysis and Modern Portfolio Theory; the firm generally exercises discretionary trading authority. When appropriate it recommends or engages Sub‑Advisors and TPMs to implement strategies and, in select cases, may advise tax-deferral approaches such as Deferred Sales Trusts while monitoring TPM performance and plan investment options.
What is distinctive in the brochure is the firm’s integration with licensed insurance businesses: principals devote substantial time to affiliated insurance activities and receive commissions for insurance product sales, and the firm discloses referral and incentive arrangements with certain third‑party managers. The firm manages about $50.7 million across roughly 259 client relationships with two advisors, and its brochure emphasizes disclosed policies and fiduciary duties to address the conflicts that arise from insurance compensation and TPM referral incentives.
Client services
Expertise
Fee options
$300 for Client Directed Accounts with Gradient Investments
$0+: Up to 1.5%, negotiable (single flat cap for direct asset management services) All Assets+: 2.15% total annual fee (1.15% Gradient Investments fee + 1.00% WHWA fee) - Custom Indexing Strategic All Assets+: 2.00% total annual fee (1.00% GI fee + 1.00% WHWA fee) - Strategic Portfolio All Assets+: 1.85% total annual fee (0.85% GI fee + 1.00% WHWA fee) - Custom Indexing Allocation All Assets+: 1.70% total annual fee (0.70% GI fee + 1.00% WHWA fee) - Allocation & Defined Outcome Portfolio All Assets+: 1.80% total annual fee (0.80% GI fee + 1.00% WHWA fee) - Tactical Portfolio All Assets+: 1.50% total annual fee (0.50% GI fee + 1.00% WHWA fee) - Private Wealth Portfolio All Assets+: 1.00% total annual fee (0.40% GI fee + 0.60% WHWA fee) - Preservation Portfolio
WHWA advisors receive commissions on insurance products sold through affiliated insurance agencies; typical separate commission compensation
Fee-only: Flat $15 quarterly technology/service fee per account or investment strategy with Gradient Investments; $300 flat fee for Client Directed Accounts at GI
Main office
222 North Arch Road
North Chesterfield VA 23236
Advisors at this office
2
Most active in
Texas · Virginia
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Timothy S
Series 65
North Chesterfield, VA
Welcome Home Wealth Advisors LLC
Timothy Short is a Series 65-licensed financial advisor with five years of industry experience. He is currently with Welcome Home Wealth Advisors LLC and has prior experience with Foundations Investment Advisors LLC and Wealth Preservers, Inc. He is also active as an insurance agent, involved in the sale of various insurance products. Welcome Home Wealth Advisors LLC provides discretionary asset management and financial advisory services to individuals, business entities, and qualified retirement plans, often acting as a limited-scope ERISA 3(21) fiduciary. The firm employs a range of investment methods including fundamental and technical analysis and Modern Portfolio Theory, and integrates licensed insurance activities alongside investment advisory services.
Ralph S
Series 63, Series 65
North Chesterfield, VA
Welcome Home Wealth Advisors LLC
Ralph Short Jr. is a financial advisor with Welcome Home Wealth Advisors LLC, holding Series 63 and Series 65 designations and over 34 years of industry experience. His career includes roles at Foundations Investment Advisors, LLC, and long-term ownership of Wealth Preservers, Inc. He also operates an insurance agency under the name Welcome Home Financial Partners, focusing on life, health, and employee benefits. Welcome Home Wealth Advisors LLC provides discretionary asset management and financial advisory services to individuals, business entities, and qualified retirement plans, utilizing methods such as fundamental and technical analysis and Modern Portfolio Theory. The firm integrates insurance activities with its advisory services and manages approximately $50.7 million for around 259 clients.
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