Gpwm LLC

Atmos Advisory, LLC is a registered investment adviser that has been in business since January 2012, providing financial planning, consulting, and wealth management services. The firm manages client investment portfolios on a discretionary basis, primarily using Exchange-Traded Funds (ETFs) and independent investment managers. Atmos Advisory tailors its services to individual client needs, considering factors like risk tolerance and time horizon. Clients have the option to impose reasonable restrictions on the management of their accounts if deemed suitable by Atmos Advisory. The firm does not participate in wrap fee programs and had approximately $149 million in assets under management as of December 31, 2024. Atmos Advisory also offers financial planning and consulting services at no additional expense, covering areas such as retirement planning, educational funding, estate planning, insurance planning, tax planning, and cash flow analysis. Fees for investment management services are based on a percentage of assets under management, with rates ranging from 1.00% to 0.20% depending on the portfolio value. The firm changed its fee billing protocol to charge quarterly fees in arrears effective July 1, 2022. Clients may also incur charges from financial institutions for services like custodial fees, transaction fees, and other related costs. Atmos Advisory does not have custody over client assets except in specific situations where they have the authority to dispose of client funds for certain purposes. The firm does not vote on proxies or solicitations on behalf of clients. The investment strategies are based on modern portfolio theory, and the firm takes steps to minimize risks such as market fluctuations, asset class correlations, and foreign securities volatility. The firm's investment philosophy focuses on long-term investment strategies and risk management.