Wellness Financial Associates LLC

Wellness Financial Associates LLC provides portfolio management, financial planning, and 401(k) retirement plan consulting to individuals, plan sponsors, and business entities, with services tailored to client needs. Although registered as an investment adviser and offering asset‑management services, the firm’s brochure reports it currently does not manage client assets.

The firm’s investment approach emphasizes asset allocation and principles of value, safety, and quality, with a particular focus on risk control; it uses marketable securities such as mutual funds, ETFs, bonds and equities, and may include non‑traded real‑estate vehicles (non‑traded REITs, Delaware Statutory Trusts, tenants‑in‑common). Services are non‑discretionary and include periodic monitoring, benchmarking, reporting and participant education for retirement plans, with recommendations tailored to each client’s objectives.

Distinctive features disclosed in the brochure include a specific focus on pension/401(k) plan consulting—which is relatively uncommon among peer investment managers—and an affiliation with an independent insurance agency; the firm’s owner is a licensed insurance agent appointed with multiple insurers and devotes substantial time to that activity, generating commission compensation. The firm also combines percentage‑of‑AUM portfolio fees with the availability of hourly financial‑planning fees, a less common fee mix among similar managers, and discloses policies intended to mitigate related conflicts of interest.