Luther Forest Wealth Advisors, L.l.c.

Luther Forest Wealth Advisors, LLC is an SEC-registered Investment Advisor offering investment advisory, financial planning, and related consulting services to retail investors. As fiduciaries, the firm formulates long-term financial plans, cash flow planning, and asset restructuring tailored to individual needs. The investment approach involves creating diversified portfolios using mutual funds, ETFs, stocks, and bonds. Luther Forest maintains discretionary authority for most clients but allows reasonable restrictions on investments. The firm does not recommend proprietary products and charges an annual fee for investment management services not exceeding 1.25% of assets under management, billed quarterly. There are no mandatory account opening requirements, but clients typically have a minimum of $100,000 in assets designated for management. Additional financial planning and consulting services may incur separate fees. Luther Forest's financial professionals are compensated by a flat salary and discretionary bonuses based on performance, without receiving commissions or incentives from recommended products. The firm operates under a standard of conduct to act in clients' best interests and discloses potential conflicts of interest. Clients can access additional information on the firm's website or the SEC's Investment Adviser Public Disclosure website. For inquiries, Luther Forest can be contacted at (518) 899-5544.