Firm Info
Firm Size
Services Offered
- Portfolio Management for Individuals & Small Businesses
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
Tlw Wealth Management, LLC Overview
TLW Wealth Management, LLC is a Fee Only registered investment advisory firm based in Indian Rocks Beach, FL. The firm has been providing investment advice only services since its establishment in 2019. By opting for the fee only arrangement, TLW Wealth Management demonstrates its commitment to being transparent and aligned with its clients' best interests. The primary focus of TLW Wealth Management is portfolio management for individuals and small businesses. The firm recognizes that each client has unique financial goals and risk tolerances. It, therefore, offers tailor-made investment strategies and portfolios to meet the specific client needs. TLW Wealth Management's investment approach involves minimizing risks while maximizing returns by investing in asset classes like stocks, ETFs, bonds, and mutual funds. With its headquarters in Indian Rocks Beach, FL, TLW Wealth Management is in a prime location to serve clients from all over the region. The firm's investment advisory service is ideal for individuals and small business owners looking to grow and protect their wealth. TLW Wealth Management's team of experienced and knowledgeable advisors offers sound financial advice to help clients achieve their financial goals. The firm remains dedicated to providing top-notch portfolio management services that guarantee clients peace of mind.
TLW Wealth Management, LLC proudly serves a diverse clientele that includes individuals, high net worth individuals, and various corporation types not listed. With their commitment to providing comprehensive and personalized financial guidance, TLW Wealth Management, LLC delivers tailored solutions to clients across a wide spectrum of financial needs and objectives. Clients are assured that TLW Wealth Management, LLC is equipped with the knowledge and experience to help them achieve their goals. At TLW Wealth Management, LLC, various fee structures are available depending on the service provided. One of the fee structures is a percentage of assets under management (AUM). This approach aligns the firm's interests with that of their clients, as they only earn more when clients' portfolios grow over time. For other services, TLW Wealth Management, LLC may charge fees by the hour or as a fixed fee. Additionally, TLW Wealth Management, LLC is committed to complete transparency in their fee structures, with no unexpected charges or hidden costs. Clients can choose the fee structure that best suits their financial needs and objectives, with the confidence that TLW Wealth Management, LLC will always provide straightforward and honest guidance.
Typical Clients, Fee Structures & Investment Minimum
The investment minimum for TLW Wealth Management, LLC is $100,000 for TLW Portfolios and $50,000 for Teal Wing Portfolios. This information is stated in their Part 2 Brochure note about investment minimum. However, the firm may waive this requirement based on prior relationships, anticipated other assets, or at their discretion.
How This Office Can Help Largo, FL Residents
TLW Wealth Management is committed to providing personalized financial solutions to clients in Largo, FL, regardless of their specific financial situations. One of the primary ways they work with clients is by helping them plan for retirement. Many residents in Largo may be nearing retirement age or have already retired, and TLW can offer guidance on how to maximize their retirement savings and create a sustainable income stream during their golden years. They also offer investment management services to help clients build and protect their wealth over the long-term. For those who are self-employed or own a small business, TLW Wealth Management can provide tailored financial planning services to ensure they are making the most of their assets. They can assist with everything from creating a retirement plan for the business owner to developing strategies for maximizing tax benefits. In addition, they can help individuals and families create customized financial plans that address diverse concerns, such as ensuring they have adequate insurance coverage or paying for unexpected medical expenses. Ultimately, through their comprehensive wealth management services, TLW Wealth Management is able to help clients in Largo, FL achieve their financial goals and secure their financial future.
Services Offered by Tlw Wealth Management, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Tlw Wealth Management, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Unavailable
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Subscription (Newsletter or Periodical)
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
State Registrations
Tlw Wealth Management, LLC is registered to service clients in the following states:
- Florida
- Kansas
- Nebraska
- Texas
- Wisconsin
Disciplinary History
Tlw Wealth Management, LLC does not have any disclosures. Please visit it's Form ADV for more details.