The firm focuses primarily on discretionary portfolio management, constructing customized portfolios using ETFs, mutual funds, stocks, fixed-income securities, options, and select alternative investments. Advisors manage these portfolios on a client’s behalf, providing ongoing oversight and adjustments as financial circumstances or market conditions change.
IHT also offers financial planning services, including retirement, tax, education, insurance, and estate-related guidance, all delivered through an advisor relationship. For clients who prefer a digital option, the firm provides access to Guided Wealth Portfolios, an automated platform supported by periodic advisor reviews.
What are the pros and cons of IHT Wealth Management?
IHT Wealth Management offers a traditional, advisor-led approach that may appeal to clients who prefer working directly with a financial professional and want support with their investments and financial planning.
The company’s strengths include personalized advice, discretionary portfolio management, and various planning services.
However, the service may be less suitable for investors looking for standardized pricing, fully automated investing, or clearly defined minimums.
Pros of IHT Wealth Management:
Direct access to advisors: Clients work with an investment advisor representative (IAR), who helps define their goals, assess investment risk, design portfolios, and provide ongoing advice.
Hands-off discretionary portfolio management: Advisors manage accounts on a discretionary basis by selecting investments, adjusting allocations, and making ongoing changes without requiring client intervention.
Broad financial planning capabilities: The advisory service offers support with retirement, taxes, insurance, estate and legacy planning, funding education, and charitable giving, all delivered through one advisor.
Nationwide advisor network: IHT has a network of 147 financial advisors across multiple offices, allowing clients to work with an advisor in their region.
Digital investing through Guided Wealth Portfolios: Clients who want digital services can use GWP, an automated investment platform built by LPL Financial and powered by FutureAdvisor’s algorithms.
Cons of IHT Wealth Management:
No single fee schedule: IHT doesn’t publish an advisory fee structure. Fees vary by advisor, portfolio complexity, and account size, making it difficult for potential clients to understand fees.
$5,000 minimum for Guided Wealth Portfolios: While IHT doesn’t have a company-wide minimum, its automated option, GWP, requires clients to have at least $5,000, so it may not be suitable for beginner investors or those with smaller portfolios.
It may not be cost-effective for investors with smaller portfolios: Advisory fees and transaction costs can have a bigger impact on investors with smaller portfolios, and potentially reduce the overall value of the firm’s services.
Limited automation: Most of IHT’s services are delivered by advisors. Even with Guided Wealth Portfolios, the platform includes advisor involvement and additional program fees, making it less suitable for those seeking low-cost, fully automated services.
Potential conflicts of interest: IHT may receive different compensation when clients use LPL Financial’s programs, such as GWP, which may mean higher fees than comparable services and potential conflicts of interest.
IHT Wealth Management provides personalized, advisor-led guidance and comprehensive planning, which may benefit clients seeking in-depth support.
However, its non-standardized fees, $5,000 minimum for GWP, and potentially higher costs for those with smaller portfolios may make it less suitable for those seeking transparent pricing or a fully automated, low-cost investing platform.
IHT Wealth Management fees: How much does it cost?
IHT Wealth Management charges advisory fees that are negotiated individually with each client.
The firm may charge an asset-based fee or, in some cases, a flat fee instead of a standard percentage-based one. All fees are billed quarterly in advance, and are based on the account’s value on the last day of the quarter.
Investment advisory fees:
Annual advisory fee: Up to 2% of assets under management (AUM).
Fees may be structured as an asset-based percentage or as a negotiated flat fee.
Clients with smaller portfolios may pay higher fee rates.
Fees are billed quarterly in advance.
Guided Wealth Portfolios Managed Service fees:
Maximum account fee: 1.35% annually, which includes LPL Financial’s program fee of 0.35% and an advisor fee of up to 1%.
Account fees are payable quarterly in advance.
FutureAdvisor is compensated by LPL through a sub-advisory fee (0.1%–0.17%).
Financial planning fees:
Hourly fees: These are typically $250–$600 per hour.
Fixed fees: Negotiated based on the scope of work.
ERISA (Employee Retirement Income Security Act) plan consulting fees :
Asset-based percentage, billed quarterly (in advance or arrears) based on account value.
Fixed annual fee, billed quarterly in advance, with annual cost-of-living adjustments.Payment may come from plan assets, third-party providers, or direct invoicing, depending on the agreement.
Additional client costs:
Clients may incur costs separate from IHT’s advisory fees, including:
Fund-level expenses from ETFs and mutual funds.
Fees from account managers, private placements, or pooled investment vehicles.
Broker-dealer and custodian charges, such as commissions or transaction fees.
IHT Wealth Management’s fees vary by advisor and the services provided, with investment advisory fees of up to 2% annually, hourly or fixed-fee financial planning, and a maximum 1.35% fee for GWP’s automated program.
Costs are billed quarterly in advance, and clients may face additional fees from underlying funds, custodians, or other investment products. As pricing depends on the provided services, total costs can differ significantly across advisors, account sizes, and investment programs.
What is IHT Wealth Management’s minimum account size?
IHT Wealth Management does not have a single standard minimum account size, as requirements vary by advisor and service.
Most advisory minimums are set individually by each advisor based on the client’s goals, portfolio size, and planning needs.
The firm’s only defined minimum applies to its automated option, Guided Wealth Portfolios, which requires $5,000 to enroll. Because advisor-led minimums are not standardized, prospective clients need to speak directly with an advisor to confirm eligibility and costs.
Who should choose IHT Wealth Management?
IHT Wealth Management is suitable for individuals who prefer a personalized, advisor-led approach to investing and want support that covers both portfolio management and financial planning.
It may appeal to clients who value having direct access to a financial professional and having them manage investment decisions on their behalf.
IHT Wealth Management works well for:
Clients who want direct access to an advisor: Those who prefer working directly with an IAR and value ongoing advice, portfolio oversight, and support for their changing circumstances.
Individuals seeking comprehensive financial planning: The firm offers support with retirement planning, taxes, funding education, insurance, and estate-related issues, as well as charitable giving, through the same advisor.
Investors who want a fully managed portfolio: Advisors can adjust clients’ portfolios without requiring them to manage investment decisions.
Clients seeking digital and human support: Those who want an automated investing option and want advisor involvement may find the Guided Wealth Portfolios program suitable.
IHT Wealth Management may not be suitable for:
Investors seeking standardized pricing: As fees and minimums vary by advisor, those who prefer predictable pricing may find IHT less suitable.
Investors with smaller portfolios: The Guided Wealth Portfolios program requires a $5,000 minimum. Advisory fees and trading costs can have a proportionally larger impact on those with smaller portfolios, which may reduce the overall value of the services.
Those wanting a fully automated, low-cost platform: Clients who prefer a purely digital platform with transparent, low fees may find IHT’s advisor-led structure and individualized pricing less aligned with their expectations.
IHT Wealth Management: Is it secure?
Yes, IHT Wealth Management is secure and registered with the Securities and Exchange Commission (SEC), which requires it to follow fiduciary standards and regulatory rules designed to protect clients.
Client assets are not held by IHT directly. They are typically held with LPL Financial, a qualified third-party custodian that safeguards assets, executes trades, and issues account statements.
To prevent unauthorized access, IHT Wealth Management uses security measures required under federal law, including computer safeguards and physical protections, such as secure storage for files and restricted access to office areas where sensitive information is kept.
Additional safeguards apply to how accounts are billed. Advisory fees can only be withdrawn with written client authorization, and custodians send statements at least quarterly, allowing clients to independently verify all activity, including fees and transactions.
The SEC oversight, use of a regulated third-party custodian, data protection measures, and required client verification form the core of IHT’s account security framework.
IHT Wealth Management: Customer service
IHT Wealth Management’s customer service focuses on direct and ongoing contact with a financial advisor.
Instead of relying on a support center, clients talk to their advisor about their investments, planning needs, or updates to their financial goals. This structure offers individual communication, but it can vary depending on the advisor’s availability.
Clients using the Guided Wealth Portfolios program also receive advisor support, who assists with onboarding, answers questions about allocations, and helps review progress toward goals.
The firm has a general phone line and email address for broader inquiries, but doesn’t have standardized service hours or offer online tools such as live chat. So, the accessibility and responsiveness of customer service largely depend on the advisor a client works with.
Is IHT Wealth Management worth it?
Whether IHT Wealth Management is worth it depends on what you are looking for.
The firm offers direct access to a financial advisor, discretionary portfolio management, and financial planning support. This works well for clients who want ongoing professional guidance on investments, retirement needs, taxes, and other long-term goals.
Clients who use the Guided Wealth Portfolios program may also benefit from a hybrid model that combines automated portfolio management with advisor involvement, making it suitable for individuals who want digital efficiency without giving up access to human support.
However, investors who are seeking predictable pricing or standardized minimums may find IHT less suitable.
Advisory fees and account requirements vary by advisor and are negotiated individually, while the Guided Wealth Portfolios program requires a $5,000 minimum. Investors with smaller portfolios may find the service less cost-effective, since advisory fees and transaction costs can have a proportionally greater impact.
For individuals who value personalized advice and a fully managed portfolio, IHT can be a strong fit. Those seeking low-cost automation, transparent fees, or a streamlined digital experience may prefer alternatives that focus on consistent pricing and DIY investing tools.
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