Refined Wealth Management

Refined Wealth Management, a Registered Investment Advisor founded in 2013 by Ryan Larsen, offers comprehensive financial services including investment advice, financial planning, insurance, and tax services. The firm manages assets on a discretionary basis, providing portfolio management services to individuals, high net worth individuals, trusts, estates, corporations, and small businesses. Refined Wealth Management uses a variety of asset classes such as stocks, bonds, and Exchange Traded Funds (ETFs) to construct client portfolios. The firm emphasizes placing clients' interests first, aiming to add value to the asset management process. Services include ongoing financial planning, estate planning, business planning, and educational planning. The firm's investment philosophy is based on strategic and tactical asset allocation, seeking to minimize risk and achieve strong returns. Refined Wealth Management charges fees based on a percentage of assets under management (AUM), with no minimum account opening balance. The firm does not charge performance-based fees and acts as a fiduciary, prioritizing clients' best interests. Clients have investment discretion, allowing the firm to make decisions on securities and asset allocation without prior consent. Refined Wealth Management does not vote proxies on behalf of clients and does not have physical custody of client assets. The firm has no financial commitments that would impair its ability to meet client obligations.