Commerce Advisors, LLC

Commerce Advisors, LLC, established in 2009, offers comprehensive wealth management services including financial planning and portfolio management. The firm tailors services to individual client needs, developing a Financial Profile and Investment Plan based on financial circumstances, goals, and risk tolerance. Financial planning services address areas such as cash flow planning and retirement planning, often provided alongside portfolio management. Clients can opt for discretionary or non-discretionary portfolio management, with Commerce Advisors having authority to manage portfolios without client consultation in discretionary arrangements. The firm also offers Retirement Plan Advisory Services, acting as a fiduciary under ERISA when providing non-discretionary investment advice. Fees are negotiated based on services provided, typically ranging from 0.30% to 1.00% annually. Commerce Advisors recommends clients custody assets with Fidelity and Schwab, providing access to institutional trading and custody services. The firm does not have performance-based fees or side-by-side management. Clients include high net worth individuals, family offices, and select corporate entities. Investment strategies focus on diversification and risk management, with portfolios reviewed quarterly. Commerce Advisors does not vote proxies for client securities and does not require prepayment exceeding $1,200 per client.