Atlantic Retirement & Wealth Advisors

Yes, as a registered investment advisor, Atlantic Retirement & Wealth Advisors is a fiduciary. It is legally obligated to act in the best interest of its clients and must disclose any conflicts of interest. This duty applies to all financial planning and investment management services provided by the firm.

The firm builds client portfolios primarily with mutual funds and exchange-traded funds, which provide broad diversification and cost efficiency. Some portfolios may also include individual stocks or bonds, depending on a client's asset level and specific needs. The firm constructs allocations to target a specific balance of growth and income aligned with a client's retirement objectives.

The firm serves individual retail investors, with a particular focus on those who are planning for or already living in retirement. Common client profiles include corporate professionals managing a 401(k) rollover, small business owners, and high-net-worth individuals seeking coordinated financial and investment advice. Clients are generally served on a long-term, relationship-based model.

No, Atlantic Retirement & Wealth Advisors does not hold custody of client assets. Like most independent RIAs, the firm uses an independent, qualified custodian such as Charles Schwab or Fidelity to hold client funds and securities. This separation of custody is a standard consumer protection practice, as clients receive account statements directly from the custodian.

The firm charges a fee based on a percentage of assets under management, which aligns the advisor's compensation with the performance of the client's portfolio. This fee is billed directly or deducted from the account, avoiding commission-based compensation that can create conflicts. Separate financial planning services may be offered for a flat fee or hourly charge.