Wellspring Investing

Wellspring Investing provides ongoing portfolio management, financial planning, and pension consulting to individuals, pension and profit sharing plans, charitable organizations and business entities, managing roughly $8.0 million in discretionary assets for a small client base. Services include individualized Investment Policy Statements, implementation of asset allocation and security selection, written financial plans, and formal pension/401(k) consulting engagements.

The firm documents client goals, time horizon and risk tolerance in each Investment Policy Statement and typically seeks discretionary authority to implement investment decisions on behalf of clients. Its investment methods combine fundamental and technical analysis and use long‑term trading and options strategies — including covered and uncovered option positions — while generally recommending mutual funds, equities and ETFs and emphasizing income diversification.

What is distinctive is the scope of its pension consulting practice: Wellspring Investing offers written pension plans, monitoring and recommendations for plan money managers and other service providers (custodians, administrators), and both asset‑based and fixed‑fee pension consulting arrangements, a service set that is relatively uncommon among independent advisers. Operationally, the firm requires client accounts to be held at Schwab Institutional or Interactive Brokers, may receive soft‑dollar research benefits, and does not aggregate trades across client accounts — choices that can affect trade execution and transaction costs.