TELOS WEALTH ADVISORS

TELOS WEALTH ADVISORS

Telos Wealth Advisors is structured as a hybrid registered investment adviser and insurance-licensed firm, operating under the umbrella of a larger broker-dealer network (per public regulatory filings). The firm offers discretionary and non-discretionary investment management, alongside comprehensive financial planning that covers retirement analysis, estate coordination, and insurance solutions. Its advisory business charges asset-based fees, hourly or fixed fees, and commissions, a structure that gives clients flexibility in how they compensate the firm. The firm's investment approach uses fundamental and technical analysis to construct portfolios, often using mutual funds and exchange-traded funds across equity, fixed-income, and alternative asset classes. Clients typically gain exposure to domestic and international markets through these pooled vehicles rather than direct single-stock or private-market selection. The firm also sells insurance products, including annuities and life insurance, which can address long-term care and legacy planning needs in a single advisory relationship. Telos Wealth Advisors operates from a single registered location and lists fewer than ten investment-adviser representatives in public disclosures. Despite its small team size, the firm maintains a broad planning mandate—advising on 401(k) rollovers, Social Security optimization, and concentrated stock positions. As a hybrid firm, it balances fiduciary obligations on advisory accounts with commission-based brokerage services, a structural feature that shapes its suite of solutions. What distinguishes Telos Wealth Advisors is its integration of financial planning with insurance brokerage under one roof. While many RIAs refer insurance business to external agents, this firm holds both the fiduciary credential and the insurance licensing to execute—creating a compact, full-service model for households whose complexity requires coordinated investment and risk management.