ERTS Wealth Advisors

ERTS provides investment management, retirement planning, estate planning coordination, and tax-aware portfolio strategies. The firm acts as a fiduciary on discretionary accounts, constructing portfolios across equities, fixed income, and ETFs. It does not offer banking, lending, or trust services directly but coordinates with local legal and tax professionals for estate planning needs.

Yes. As a Registered Investment Advisor, ERTS operates under a fiduciary standard, meaning it is legally obligated to act in its clients' best interests. The firm charges a fee based on a percentage of assets under management rather than earning commissions on product sales, which eliminates several conflicts of interest common in commission-based advisory models.

ERTS emphasizes long-term, risk-adjusted portfolio construction using traditional asset classes like equities, fixed income, and mutual funds. The firm avoids speculative strategies and does not directly invest in private equity, venture capital, or hedge funds. Its philosophy centers on capital preservation, tax efficiency, and steady compounding suited to the liquidity needs of its Upper Peninsula client base.

The firm's client base is concentrated in Michigan's Upper Peninsula, with a strong presence in the Marquette area. While ERTS may serve clients who have relocated or maintain secondary residences elsewhere, its practice is built around in-person relationships with local families and does not market itself as a national or virtual advisory platform.

ERTS Wealth Advisors is led by its founding principals, who are directly involved in client portfolio management and financial planning. The firm maintains a deliberately small team of advisors to preserve a high-touch service model. Specific advisor names and credentials are available through the firm's Form ADV filed with the SEC.