Aps Wealth Management, LLC

APS Wealth Management, LLC is a Registered Investment Adviser specializing in providing investment advice, consulting, and financial services to individuals, high net worth individuals, trusts, estates, corporations, business entities, and employer-sponsored retirement plans. The firm was founded in 2018 by Stephen Abramson and Steven J. Musmanno, who serve as President and Chief Investment Officer and Chief Compliance Officer, respectively. APSWM is the successor of M&A Financial Services, Inc. The firm's investment philosophy is centered around fiduciary responsibilities and disciplined investment processes. APSWM offers qualified retirement plan advisory services under ERISA, acting as a 3(21) Fiduciary and providing custom portfolio recommendations for employer-sponsored retirement plans. They also offer 3(38) Fiduciary services, where they assume full responsibility and discretion over plan assets. APS Wealth Management manages client investment portfolios on a discretionary or non-discretionary basis, primarily allocating assets among mutual funds, ETFs, individual securities, and independent investment managers. The firm tailors its advisory services to meet individual client needs, ensuring portfolios are managed in line with specific objectives and risk tolerances. The fee structure for qualified retirement plan advisory services is tiered based on plan asset balance, with a minimum annual advisory fee of $2,500. For investment management services, fees are based on the amount of assets under management and are charged monthly or quarterly. APSWM does not charge performance-based fees and does not participate in wrap fee programs. The firm does not have physical custody of client assets and does not vote client securities. APS Wealth Management recommends utilizing Charles Schwab & Co, Inc. for custody, brokerage, and clearing services. The firm does not receive compensation for client referrals and does not have any disciplinary history to disclose. The key individuals at APS Wealth Management, including Stephen Abramson, Steven J. Musmanno, and Mark Phillips, have educational backgrounds and business experience in finance and investment management. They are committed to acting in the best interests of their clients and adhere to high ethical standards.