Provision Wealth Management

Provision Wealth Management

Provision Wealth Management is registered with the SEC as a fee-only investment advisor, a structure that legally obligates the firm to put client interests ahead of its own. The firm serves a mix of individual investors, high-net-worth families, and small institutions, with portfolios constructed from a broad toolkit of exchange-traded funds, mutual funds, and separately managed accounts. Its approach is planning-centric: each relationship starts with a financial plan that dictates the asset allocation, risk budget, and tax-management strategy, rather than starting from a pre-set fund or model. The portfolio construction process leans on modern portfolio theory, emphasizing low-cost, passive exposure in efficient markets and active management only where the firm believes manager skill can add value — a strategy common to many RIAs of similar size. Asset classes used include US large-cap equities, international developed and emerging-market stocks, fixed income across government and corporate credit, and real assets through REITs and commodity-linked instruments. Clients can also access direct indexing and tax-loss harvesting for taxable accounts, reflecting a sensitivity to after-tax returns. The firm maintains one office, with financial advisors serving clients across multiple states via remote planning technology. Clients interact with a lead advisor supported by a team of planners and investment specialists — a structure that provides capacity for detailed financial planning without the high fees of a dedicated multi-family office. A structural differentiator is its commitment to fee-only advice at a time when much of the retail advisory industry still operates under a broker-dealer model with hidden commissions. By avoiding proprietary products, revenue-sharing, and sales incentives, the firm's compensation model is fully transparent — a line in the sand that defines its regulatory posture and client value proposition.