How We Work
Your Personal CFO.
Four Steps to Financial Architecture.
Most advisors sell products. We build plans. As a fee-based fiduciary, Davies Wealth Management operates as your Personal CFO — diagnosing, designing, implementing, and continuously optimizing your financial architecture.
Fee-Based
Fiduciary Model
30+
Years of Experience
SEC
Registered RIA
The Planning Process
From Audit to Ongoing Optimization
A structured four-phase engagement built for complexity — not cookie-cutter portfolios.
Step One
Fiduciary Audit
Before building anything, we examine what already exists. We evaluate your current portfolio to surface hidden fees, misaligned incentives, and structural risks that most advisors either miss or ignore — because they benefit from them.
Hidden fee analysis
Risk gap assessment
Structural baseline
Step Two
Architecture
We construct institutional-caliber strategies using Separately Managed Accounts (SMAs) and Unified Managed Accounts (UMAs) — the same tools used by pension funds and endowments. Every structure is customized for your specific timeline, whether that’s an executive compensation event or an athlete’s compressed earning window.
SMAs & UMAs
Executive comp planning
Career-timeline strategy
Step Three
Implementation
Wealth management doesn’t exist in isolation. Our team coordinates execution with your legal and tax professionals, synchronizing investments with estate planning, business succession, and tax-minimization strategies. Nothing is siloed. Everything connects.
Legal coordination
Tax-synchronized investing
Estate integration
Step Four
Optimization
Financial plans that don’t evolve become liabilities. We provide ongoing fiduciary management through periodic rebalancing, proactive tax-loss harvesting, and strategic adjustments responding to life transitions — career changes, inheritance events, market dislocations, and retirement horizons.
Ongoing rebalancing
Tax-loss harvesting
Life-event response
The Fee-Based Fiduciary Difference
Legally Required to Put
Your Interests First.
The fee-based fiduciary model means our compensation is transparent and our advice is objective. We earn fees for the plans we build and manage — not hidden commissions for steering you toward products that pad a broker’s bonus.
The fee-based structure also allows us to offer a full spectrum of wealth solutions — including insurance and annuity products where appropriate — while maintaining our fiduciary obligation to you throughout. Advice always comes before product.
90%
of “financial advisors” operate as brokers — legally permitted to recommend products that pay them, not products that serve you.
10%
are registered as fiduciaries. Davies Wealth Management is in this minority — by design, since 2009.
Source: FINRA Regulatory Notice guidance on broker-dealer suitability standard vs. RIA fiduciary standard.
Built For Complexity
Who We Serve
Executives & Professionals
Complex Compensation. Institutional Planning.
RSUs, stock options, deferred comp, and concentrated positions require a dedicated strategy — not a one-size-fits-all portfolio. We specialize in navigating executive-level complexity.
Learn more →
Pre-Retirees
The Decade Before Retirement Is the Most Important.
Sequence-of-returns risk, tax-bracket optimization, and Social Security timing decisions made in the 5–10 years before retirement have an outsized impact on lifetime income. We build that transition deliberately.
Learn more →
Professional Athletes
Peak Earning Windows Require Precision.
Athletic careers are compressed. The financial decisions made during peak years determine everything after. We build structures designed for the reality of a career that spans 8–15 years, not 40.
Learn more →
Ready to Start
Begin with a
No-Cost Fiduciary Audit.
We’ll review your current financial structure, identify what’s costing you, and show you what a Davies plan would look like. No obligation. No product pitch.
Davies Wealth Management is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. The information on this page is for general educational purposes and does not constitute investment advice. Past performance is not indicative of future results. All investments involve risk, including possible loss of principal. Please review our Form ADV and disclosures before engaging our services. | 684 SE Monterey Road, Stuart, FL 34994 | (772) 210-4031 | DaviesWealthManagement@TDWealth.Net