# Groundwork Wealth Management

Groundwork Wealth Management is a Bank / Wealth / Trust based in Downingtown, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Downingtown, United States
- **Region:** North America
- **Address:** Downingtown, PA, United States
- **Founded:** 2014
- **Assets under management:** Undisclosed
- **Website:** groundworkwealth.com

## Regulatory record

- **CRD number:** 170331
- **SEC file number:** 801-79226
- **Registration status:** Registered
- **Latest Form ADV filing:** 2026-03-26T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/170331

## About

Groundwork Wealth Management launched in 2014 as a Pennsylvania-based RIA, serving a client base that ranges from early-career professionals to retired households. Founder-led and built around a comprehensive planning model, the firm structures its client relationships around a fixed-fee or assets-under-management fee schedule rather than transactional commissions, per public regulatory filings. Its office in Downingtown positions it within the suburban Philadelphia wealth corridor, where it competes with regional banks and independent advisory shops for mass-affluent and high-net-worth clients. The firm’s investment process begins with a financial plan that determines required return targets, liquidity needs, and tax sensitivity. Asset allocation typically spans equities, fixed income, and cash equivalents, with implementation through low-cost exchange-traded funds and mutual funds. Portfolio construction leans on passive and factor-based strategies rather than concentrated single-stock bets. Groundwork does not operate proprietary funds or pursue venture-style direct investments; its deployment model is allocator-to-manager, using third-party vehicles to build diversified exposures across US and international markets. Groundwork’s scale remains modest and privately held. The firm does not publish AUM, headcount, or client totals, consistent with many independent advisory practices of its size. It maintains no branch offices outside Downingtown. Regulatory records confirm its registration with the SEC and state authorities, but it has not disclosed institutional co-investment vehicles, philanthropic foundations, or peer-advisory club memberships. The firm’s last known operational update of record was its continued SEC-registered status, confirmed through annual Form ADV amendments. What distinguishes Groundwork structurally is its integration of financial planning and investment management under a single fiduciary roof. Unlike asset-gathering platforms that outsource planning or advisory networks that subcontract asset management, the firm’s RIA structure legally requires it to place client interests ahead of product revenue. This fiduciary posture is the architectural differentiator — the planning mandate governs the portfolio, not the reverse.

## Questions

### Is Groundwork Wealth Management a fiduciary?

Yes, as a registered investment adviser (RIA), Groundwork operates under a fiduciary duty requiring it to act in clients' best interests. This structure differs from broker-dealer models, which operate under a suitability standard. The firm's Form ADV filing with the SEC affirms this regulatory posture.

### Does Groundwork run proprietary investment funds?

No, the firm does not operate proprietary mutual funds, hedge funds, or private equity vehicles. It constructs client portfolios using third-party ETFs and mutual funds, focusing on asset allocation rather than in-house security selection. This manager-of-managers approach is common among independent planning-led RIAs.

### Does the firm have additional offices beyond Downingtown?

No, Groundwork maintains its sole office in Downingtown, Pennsylvania. There are no disclosed branch locations or out-of-state advisory offices. All client relationships are managed from this single practice location.

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

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