Couloir Wealth Advisors

As an SEC-registered investment adviser, Couloir Wealth Advisors is bound by a fiduciary duty to act in the best interests of its clients. This requires the firm to disclose material conflicts and to provide advice that the firm reasonably believes is suitable based on a client's financial circumstances, risk tolerance, and investment objectives. The firm's regulatory disclosures confirm its fiduciary status.

Couloir Wealth Advisors charges asset-based fees that are calculated as a percentage of assets under management and billed quarterly in arrears. Fee rates are tiered, meaning the percentage typically declines as account size increases. Clients may also incur separate third-party costs, such as custody fees, brokerage commissions, and expense ratios from any mutual funds or ETFs held in the portfolio.

The firm manages both discretionary advisory accounts — where Couloir has ongoing authority to trade and rebalance without prior client consent — and non-discretionary consulting arrangements. Accounts typically include individual and joint taxable accounts, traditional and Roth IRAs, trust accounts, and corporate retirement plans such as 401(k) profit-sharing plans.

The firm combines a top-down macroeconomic view with bottom-up fundamental analysis for security selection. Equity portfolios emphasize large-cap domestic stocks screened for valuation and earnings quality. Fixed-income allocations are built around investment-grade corporates, municipal bonds, and Treasuries in laddered maturity structures. The firm also conducts due diligence on third-party managers when allocating to strategies outside its core competency.

The firm's Form ADV is publicly available through the SEC's Investment Adviser Public Disclosure website. As of the firm's most recent public filings, there are no reported material disciplinary events or regulatory actions against the firm or its advisory affiliates.