Couloir Wealth Advisors

Couloir Wealth Advisors is an SEC-registered investment adviser managing discretionary separate accounts for high-net-worth individuals and families.

Couloir Wealth Advisors

Couloir Wealth Advisors, Inc. is registered with the SEC as an investment adviser, providing wealth management and financial planning services to individuals, trusts, and retirement plans. The firm's advisory model emphasizes ongoing portfolio supervision where the adviser maintains discretionary authority to execute trades and rebalance allocations on behalf of clients. Non-discretionary consulting relationships are also offered for clients who prefer to retain final decision-making authority over individual transactions. The investment process generally integrates a top-down macroeconomic assessment with bottom-up security analysis. Equity portfolios are typically constructed from large-cap domestic stocks screened for valuation, earnings quality, and free cash flow generation. Fixed-income allocations concentrate on investment-grade corporates, municipal bonds, and US Treasury securities structured across laddered maturities to manage duration risk. The firm also evaluates and allocates to third-party investment managers where specialty mandates — such as international equity or alternative strategies — complement in-house capabilities. Fee arrangements are asset-based and billed quarterly in arrears, with rates tiered by account size. Advisory contracts are terminable on written notice without penalty, a structure common among fiduciary RIAs. The firm's Form ADV filings describe a standard custody arrangement where client assets are held at a qualified custodian, with reporting delivered directly to clients by the custodian and supplemented by the adviser's performance reviews. The firm's structural differentiator lies in its independence: as a boutique RIA without proprietary product obligations, investment recommendations are not shaped by in-house fund distribution targets or placement fees. This alignment architecture — where the adviser's compensation is tied solely to client AUM rather than transaction volume — mirrors the fiduciary framing that larger multi-family offices have adopted to distinguish themselves from broker-dealer models.

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General information

Firm type

Asset Manager

Year founded

—

AUM

Undisclosed

Location

Region

North America

Country

United States

City

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Corporate office

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Is Couloir Wealth Advisors a fiduciary?

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.

How does the firm charge for its services?

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.

What types of accounts does the firm manage?

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.

How does Couloir Wealth Advisors select investments?

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.

Does the firm have any disciplinary history or regulatory disclosures?

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.

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