Wrought Financial Planning

Wrought Financial Planning advises individuals, families, trusts, employer pension plans, and small businesses, offering comprehensive ongoing planning, project-based planning engagements (the Starter Pack), investment management, and retirement plan consulting for plan sponsors. The firm also provides participant account management for held‑away accounts such as defined contribution plan participant accounts and health savings accounts using a third‑party platform.

The firm’s advice is built around a written financial plan and an investment policy statement developed through its planning process; portfolios are implemented using ETFs, index funds, actively managed mutual funds, liquid alternatives and bonds with periodic rebalancing, and most client accounts are managed on a discretionary basis. Wrought combines an evidence‑based mix of fundamental and technical analysis, delivers quarterly electronic performance and allocation reports, and conducts formal plan reviews (noted as spring and fall reviews) as part of ongoing monitoring.

Noteworthy features that distinguish the firm from many peers include explicit retirement plan consulting and participant education services for plan sponsors, plus the use of a third‑party platform to manage participant accounts without taking custody. The brochure also discloses several uncommon practices for a firm of this type: marketing that references third‑party ratings and client testimonials, the recording/transcription of client meetings (with related privacy and SMS opt‑in policies), and an affiliated tax and accounting business to which the firm’s principal dedicates substantial time.