Symphony Wealth Management

Yes. As a registered investment advisor, Symphony Wealth Management is held to the fiduciary standard under the Investment Advisers Act of 1940. This means the firm must act in its clients' best interests, disclose conflicts of interest, and seek best execution on trades — a higher legal obligation than the suitability standard applied to broker-dealers.

Symphony Wealth Management operates on a fee-only basis, charging clients a percentage of assets under management. According to the firm's regulatory filings, it does not receive commissions, referral fees, or revenue-sharing payments from product providers, which removes a common incentive to recommend higher-cost or proprietary products.

The firm's public disclosures indicate that its professionals hold the CERTIFIED FINANCIAL PLANNER™ designation. Candidates must complete coursework, pass a comprehensive exam, and meet continuing education requirements. Symphony's client-facing communications emphasize this planning-first orientation as core to its service model.

Yes. The firm's service model integrates investment management with financial planning disciplines that include tax-aware portfolio construction and estate planning coordination. Symphony works alongside clients' CPAs and estate attorneys, a structure that allows planning recommendations to reflect the client's complete financial picture.

Symphony describes a goals-based investment approach in its regulatory materials. Rather than pursuing market-beating returns as a primary objective, the firm builds portfolios designed to meet specific client outcomes — retirement income, education funding, or multigenerational wealth transfer — with risk budgets calibrated to each objective's time horizon.