Milford, CT Office

Wharton MidMarket Investment Advisors, Inc. provides investment advisory and financial planning services to individuals, high‑net‑worth clients, trusts, estates and retirement plans. The firm also offers a wrap‑fee Ambassador account administered by Raymond James and delivers ongoing portfolio management and consulting services.

The firm’s investment approach is primarily long‑term and fundamental‑analysis driven, with portfolios constructed from equities, fixed income, mutual funds, ETFs and, when appropriate, insurance and annuity products. Wharton generally manages client assets on a non‑discretionary basis and reports $0 in discretionary and $140,675,095 in non‑discretionary assets under management as of December 31, 2023, while providing periodic rebalancing and client‑directed trading.

What is distinctive about Wharton is its small advisory team (two advisory persons in the firm’s ADV supplements) combined with affiliations and business activities beyond pure advisory work: principals are registered representatives of an affiliated broker‑dealer and are licensed insurance professionals, and the firm discloses commission‑based activities and a policy not to charge an asset‑based advisory fee on the same assets that generate commissions. The firm’s broader ADV filing also indicates less common client relationships for a firm of its size — including institutional or non‑retail relationships such as banking, insurance company, state/municipal and other adviser clients — and these affiliations and client types are disclosed as potential conflicts the firm addresses through disclosure and procedures.