Greenwich Wealth Management

The firm operates as a fee-only registered investment adviser. This structure removes commission-based conflicts, meaning it earns revenue exclusively from advisory fees calculated as a percentage of assets under management. Specific fee schedules are disclosed in the firm's Form ADV filing.

There is no public record of the firm sponsoring mutual funds, hedge funds, or private equity vehicles. The advisory model emphasizes direct ownership of individual securities within separately managed accounts, which allows for customized tax management tailored to each client.

As an RIA, Greenwich Wealth Management does not custody client assets itself. Client portfolios are held at third-party qualified custodians, such as Charles Schwab or Fidelity Institutional, with the firm holding discretionary trading authority. This separation of custody and advice is a standard investor protection structure for independent RIAs.

The firm constructs bond portfolios using individual securities, with a notable emphasis on municipal bonds for clients in high tax brackets. This approach avoids the embedded fees of bond funds and allows for precise duration targeting and tax-loss harvesting at the individual lot level.

The firm appears to be an independently owned boutique RIA. It is not publicly associated with a parent bank, insurance company, or broker-dealer, which preserves its ability to select from an open architecture of asset classes free from product-shelf constraints.