# Etico Wealth Management

Etico Wealth Management is a Bank / Wealth / Trust based in Saratoga Springs, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Saratoga Springs, United States
- **Region:** North America
- **Address:** Saratoga Springs, NY, United States
- **Founded:** 2009
- **Assets under management:** Undisclosed
- **Website:** eticofinancial.com
- **LinkedIn:** https://www.linkedin.com/company/etico-financial

## Regulatory record

- **Reports private funds:** No

## About

Founded in 2009, Etico Wealth Management set up in Saratoga Springs, New York, positioning itself as an independent RIA focused on portfolio management for high-net-worth clients. The firm operates outside the traditional financial centers, building a local book of discretionary separately managed accounts rather than chasing institutional or fund-level mandates. Its ADV filings confirm a straightforward fee-only advisory model. The firm's investment approach centers on constructing and managing individual equity and fixed-income portfolios. Etico does not promote proprietary funds, direct private-company stakes, or alternative asset origination — its disclosure record shows a conventional long-only public-markets mandate executed through a blend of individual securities and third-party funds when appropriate. Client portfolios are managed on a discretionary basis, with asset allocation driven by individual risk tolerance and liquidity needs rather than pooled-vehicle constraints. The practice operates with a lean footprint. Regulatory filings list a small team of licensed investment adviser representatives without satellite offices. Publicly available Form ADV records indicate the firm has not registered significant regulatory events or disciplinary disclosures since inception. No philanthropic foundation, adjacent operating company, or co-investor club appears in public filings or media coverage tied to the Etico name. What distinguishes Etico structurally is its independence and geography. The firm is not a bank-trust department subsidiary, a roll-up platform, or an aggregator-backed RIA — it remains a standalone practice in a secondary market where many wealth managers are tethered to regional banks or wirehouses. That independence gives it discretion over manager selection and portfolio construction that a proprietary-platform advisor cannot match, though its lack of scaled infrastructure limits the asset classes it can directly access.

## Questions

### What investment vehicles does Etico use for client portfolios?

Etico primarily constructs portfolios using individual equities and fixed-income securities, supplemented where appropriate by third-party mutual funds or ETFs. The firm's public disclosure record does not indicate internal fund structures, private-company direct investments, or alternative asset origination. Client assets are held in individual separately managed accounts at third-party custodians.

### Who makes investment decisions at Etico?

Etico's investment adviser representatives hold discretionary authority over client accounts within agreed-upon investment policy parameters. The firm's Form ADV filings do not identify a named investment committee structure or chief investment officer separate from its listed advisory personnel. Specific principal names are not publicly detailed beyond regulatory registration records.

### How is Etico compensated, and does it face conflicts from proprietary products?

Etico operates under a fee-only model, charging asset-based advisory fees directly to clients. Because the firm does not sell proprietary funds or receive transaction-based commissions, its compensation structure avoids the product-distribution conflicts common in bank-trust and wirehouse advisory models. Custody of client assets sits with an unaffiliated third-party custodian.

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Last updated: 2026-06-03T20:00:00.000Z

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