Roseville, CA Santa Clara Drive Office

Western Wealth Management serves a mix of individuals (including high-net-worth clients), corporations, retirement plans, charitable organizations, other advisors, and institutional clients. The firm offers comprehensive portfolio management (discretionary and non-discretionary), financial planning and consulting, retirement plan consulting, institutional investment management, 529 account management, and participation in multiple sponsored advisory and wrap programs.

The firm operates as a decentralized network of investment adviser representatives (IARs) who often provide advice under separate business names while the home office provides investment modeling, marketing, and compliance oversight. Investment implementation combines firm-designed model portfolios (Western Wealth Select), access to numerous LPL-sponsored model and manager programs, third‑party managers, and a broad set of strategies — including alternatives, cryptocurrencies, option writing, short sales, and margin — with accounts reviewed at least annually.

Distinctive features include the firm’s decentralized IAR structure and frequent dual registration of advisors as registered representatives or insurance agents, which coincides with substantial use of multiple custodial platforms and LPL-sponsored programs and related compensation arrangements. The brochure also discloses several operational particulars that differ from many peers — for example, recently added 529 account management, routine inclusion of cash and cash equivalents in assets under management, use of wrap fee offerings, and various referral/solicitor and transition‑assistance arrangements that may create conflicts of interest to consider.