TELOS WEALTH ADVISORS

The firm is registered with the SEC as an investment adviser and also operates as a licensed insurance agency, according to its Form ADV. This dual registration means the firm acts as a fiduciary on advisory accounts while earning commissions on brokerage and insurance transactions—a hybrid model that requires clear disclosure to clients. Advisors at the firm hold Series 65 and insurance licenses.

Telos Wealth Advisors uses a multi-channel fee model. Clients may pay a percentage of assets under management, an hourly or fixed planning fee, or commissions on securities and insurance products sold. This flexibility allows clients to choose between ongoing portfolio management and one-time planning engagements, though it also means not all client relationships are exclusively fiduciary.

Portfolios are typically built using mutual funds and exchange-traded funds, per the firm's public disclosures. The firm does not market itself as a direct stock-picker or private-market investor. Its investment philosophy relies on broad asset-class exposure and manager selection within public markets.

Telos Wealth Advisors incorporates tax-aware strategies into its financial planning—such as asset location and tax-efficient portfolio rebalancing—but does not offer stand-alone tax preparation or legal services. The firm coordinates with clients' outside CPAs and estate attorneys to integrate its investment management with broader tax and legacy goals.

Public filings indicate a single office location and a small team, consistent with a boutique practice serving a specific regional client base. The firm does not publicly advertise multiple offices or a nationwide footprint.