Asset Protection Wealth Management (APWM) offers personalized financial planning and refers clients to third-party investment managers. APWM provides advice through consultations, covering financial objectives, cash flow, tax planning, insurance, investments, education, retirement, and estate planning. APWM receives referral fees from these third-party managers. Justin Garrison, the owner, is also an insurance agent.
Fee Structure
APWM does not directly manage investments. Instead, APWM refers clients to Gradient Investments, LLC (GI), a third-party money manager. GI offers various portfolios, including Strategic, Tactical, Allocation & Defined Outcome, Preservation, and Private Wealth portfolios. APWM receives a portion of the annual fee charged by GI. For example, on Strategic Portfolios, GI charges 1.00% and APWM receives 1.00%. The total fee ranges from 1.00% to 2.00% depending on the portfolio type. There is also a $15 quarterly service fee for technology and reporting.