Vsm Wealth Advisory, LLC

VSM Wealth Advisory, LLC is a Registered Investment Adviser based in Hunt Valley, Maryland. Established in 2021 as the successor to Van Sant and Mewshaw, Inc., founded in 1992, the firm is principally owned by Fred Cregan Hill, III. VSM specializes in providing portfolio management and investment supervisory services, tailored to individual client needs, circumstances, goals, and risk tolerance. The firm acts as a 3(38) level fee fiduciary for qualified retirement accounts under ERISA, offering services such as budget management, insurance planning, retirement planning, and college funding. VSM operates on a fee-only basis, charging a percentage of assets under management, with fees negotiable within a specified range. The firm does not engage in performance-based fees or side-by-side management. VSM primarily uses index mutual funds and exchange-traded funds in implementing investment strategies, with a focus on asset allocation to achieve client objectives. The firm does not participate in wrap fee programs and does not receive compensation for the sale of securities or investment products. Clients have the option to grant VSM investment discretion, allowing the firm to manage accounts without prior client approval. VSM also provides detailed quarterly portfolio reports and maintains a code of ethics to ensure client interests are prioritized.