Womack Wealth Management

Founder and wealth advisor Steven Womack, a CERTIFIED FINANCIAL PLANNER, directly runs all investment decisions and client relationships. The firm has no external investment committee and does not outsource portfolio management to a third-party overlay manager. Womack constructs each client portfolio individually using a consistent strategic framework built on low-cost ETFs, municipal bonds, and cash management tools, maintained through an independent RIA registration.

No. The firm operates exclusively as a registered investment advisor (RIA), which carries a fiduciary obligation absent from broker-dealer relationships. Womack Wealth Management has no outside business activities such as insurance sales, B-D commissions, or referral-fee arrangements, and all client assets are held at independent third-party custodians rather than on proprietary platforms.

Tax-aware asset location is central to the firm's methodology. For California residents facing top combined marginal rates exceeding 50%, Womack constructs individually managed municipal-bond ladders inside taxable accounts while placing equity ETFs and higher-turnover strategies within tax-deferred or Roth vehicles. The firm also applies direct-indexing techniques for clients with substantial unrealized gains, harvesting losses to offset concentrated-stock sales without triggering wash-sale complications.

No. Womack Wealth Management does not allocate to private equity, venture capital, hedge funds, or any illiquid alternative strategy. The firm's investment methodology is limited to publicly traded securities, municipal bonds, and cash equivalents — a deliberate choice driven by both the founder's view that liquidity and transparency outweigh illiquidity premiums and the client base's need for predictable portfolio drawdowns tied to near-term spending goals.

The firm operates from a single office in Manhattan Beach, California, serving clients concentrated along the Southern California coast, including Los Angeles County and Orange County. There are no additional offices, satellite locations, or registered representatives in other states, confirming a high-touch local model rather than a national or multi-regional platform.