What SGH Wealth Management does

SGH Wealth Management, LLC is an independent, fee-only registered investment advisor founded in 2005 by Sam G. Huszczo, CFA, CFP, headquartered in Lathrup Village, Michigan, and registered as a large investment advisory firm with the U.S. Securities and Exchange Commission. The firm serves high-net-worth individuals, fee-sensitive investors, and pre-retirees and retirees nationwide, with a stated $500,000 minimum investment for new wealth management relationships. It positions itself as a non-dual-registered fiduciary, with advisors holding neither Series 6 nor Series 7 licenses and therefore receiving no commissions, in contrast to broker-dealer models whose median all-in cost the firm cites at 2.27% per year.

The firm delivers its services through three integrated pillars: Active Investment Management (custom portfolio construction, ongoing monitoring, and coordination with client accountants), Retirement Planning (Monte Carlo-based scenario analysis via MoneyGuidePro, Social Security and Medicare planning, stress testing against historical market events), and Retirement Income Tax Planning (Required Minimum Distribution minimization, Roth conversion strategies, tax-loss harvesting, and double tax-exempt municipal bond investing). Operationally, client assets are custodied at Charles Schwab & Co., and clients access accounts through the Schwab portal together with a dedicated SGH-branded mobile application for iOS and Android.

The firm is privately held and founder-owned with no disclosed external funding, operates with a nine-person team of which five members hold the CFP designation and the founder holds the CFA charter, and generates the majority of its new business through LinkedIn, content marketing (including the monthly 'Read What I'm Reading' newsletter), speaking engagements at Inside ETFs and S&P Dow Jones events, and a podcast. Revenue is recurring, billed as a transparent annualized asset-based fee prorated quarterly, with no back-end exit penalties. The firm has stated a public ambition to reach $1 billion in assets under management and has accumulated multiple industry awards, including InvestmentNews 2025 Investment Advisor of the Year, USA Today #1 Financial Advisory Firm in Michigan (2025 and 2026), Forbes SHOOK Best-In-State (2026), and Newsweek Top U.S. Advisory Firm (2026).

Name

SGH Wealth Management

Legal name

SGH Wealth Management, LLC

Website

https://sghwm.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

SGH Wealth Management is an independent, fee-only SEC-registered RIA based in Lathrup Village, Michigan, serving high-net-worth individuals and pre-retirees nationwide through active investment management, retirement planning, and retirement income tax planning, with a $500,000 minimum.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

akta.pro secondary industries

Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

Keywords

• Wealth management services
• Retirement planning services
• Fee-only advisory
• Investment management
• Fiduciary financial planning

Headquarters

HQ city

Cross Village

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Fee-Only Advisory Services: SGH Wealth Management charges an annualized fee directly to client accounts, prorated on a quarterly basis. The fee is a transparent line item in client statements. The firm does not receive any commissions from investment management and advisors do not carry Series 6 or 7 licenses, eliminating commission-based revenue streams.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

SGH Wealth Management provides fee-only, fiduciary wealth management to high net worth individuals across three integrated service pillars. Active Investment Management delivers custom portfolio construction with continuous monitoring and tax-lot coordination; Retirement Planning uses Monte Carlo simulations to model retirement scenarios, lifetime income, Social Security, and Medicare; and Retirement Income Tax Planning implements Required Minimum Distribution minimization, Roth conversion strategies, tax loss harvesting, and municipal bond allocations. All services require a $500,000 minimum in investable assets and are billed as a transparent annualized fee prorated quarterly.

Product overview

SGH Wealth Management is a fee-only, fiduciary Registered Investment Advisor offering a unified wealth management service focused on early retirement planning and investment management. The firm provides three integrated service pillars: Active Investment Management (custom portfolio construction and ongoing monitoring), Retirement Planning (comprehensive planning with Monte Carlo simulations and stress testing), and Retirement Income Tax Planning (tax-optimization strategies including Roth conversions and RMD minimization). All services are delivered with transparent, commission-free fee structures through a team of CFP and CFA professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Active Investment Management Custom investment strategies built around individual client goals, life stage, and circumstances, with active portfolio monitoring, risk management, and coordination with the client's accountant for taxable gains and losses management. The service is positioned for high net worth individuals engaging SGH for ongoing discretionary management.
• Retirement Planning Data-driven retirement preparation service using Monte Carlo simulations, goal-based planning, asset allocation, lifetime income stream projections, Social Security analysis, Medicare planning, and stress testing against historical market events. Aimed at individuals preparing for or already in retirement who need comprehensive scenario modeling.
• Retirement Income Tax Planning Retirement-focused tax planning service covering Required Minimum Distribution minimization, Roth conversion strategies, tax loss harvesting, and double tax-exempt municipal bond investing. Aimed at retirees seeking to manage tax exposure across retirement income sources and accumulation vehicles.

Quantifiable outcome

• A 1% increase in annual fees reduces an investor's return by approximately 18% over 20 years
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Charles Schwab & Co., Inc.coreTechnology or IntegrationCharles Schwab serves as the third-party custodian for all client assets. SGH Wealth Management implements high-level security protocols with Schwab for fund withdrawals and money transfers. Clients access accounts through Schwab's platform. This is a fundamental operational partnership for asset custody and administration.
• MoneyGuideProcoreTechnology or IntegrationMoneyGuidePro is used for retirement planning services, providing comprehensive financial planning tools including Monte Carlo simulations for retirement scenario analysis. The platform enables goal-based planning and lifetime income stream projections.
• CFA Society DetroitcoreStrategic or Co-development PartnerFounder Sam Huszczo served as President of CFA Society Detroit, serving on the board for 5 years in roles including Treasurer, Programming Chair, and Public Awareness Chair. The firm actively participates in CFA Institute events and initiatives.
• Detroit Economic ClubminorStrategic or Co-development PartnerSam Huszczo serves on the Finance & Audit Committee for the Detroit Economic Club, participating in professional development and networking events.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Fisher Investments: Large independent asset manager offering fee-based portfolio management to HNW and institutional clients. Comparable as an established fee-based RIA competing for the same HNW retirement-saver demographic, though it is significantly larger and more institutional in orientation.
• Northwestern Mutual Wealth Management: Large incumbent wealth manager offering investment advisory and retirement planning to HNW individuals. Comparable client overlap, though structurally different as a hybrid (commission + fee) advisor that SGH directly competes against on fiduciary grounds.
• Mariner Wealth Advisors: National RIA providing comprehensive wealth planning, investment management, and tax strategies to HNW individuals. Comparable service breadth and client profile, but operating at materially greater scale as a roll-up consolidator.
• Carson Group: Large RIA platform supporting independent advisors with technology, compliance, and investment solutions. Comparable as an ecosystem for fee-only financial advisors serving HNW clients, though its model is a partner-network roll-up rather than a single branded RIA.

Direct peers

• Edelman Financial Engines: One of the largest independent RIAs in the U.S., offering fee-only investment management, retirement planning, and tax-aware portfolio construction. Direct peer because of the overlap in fee-only fiduciary model, retirement-focused planning, and HNW/mass-affluent target market.
• Empower (formerly Personal Capital): Hybrid digital RIA serving HNW clients with investment management, retirement planning, and cash management tools. Direct peer on integrated retirement/investment services for HNW individuals, though at much greater scale and with proprietary technology.
• Creative Planning: Large fee-only RIA serving HNW individuals with integrated investment, retirement, and tax planning. Closely comparable to SGH on business model (fee-only fiduciary), service offering (active investment management + comprehensive planning), and target client (HNW and pre-retirees).

Emerging players

• Betterment: Leading robo-advisor offering automated investment management and access to CFPs. Adjacent peer as a fee-only fiduciary competing for retirement-focused investors, particularly mass-affluent clients below SGH's $500K minimum.
• Wealthfront: Digital-first fee-only advisor with automated investment management and financial planning tools. Comparable as a low-fee, fiduciary competitor targeting retirement savers, but with a fully self-serve model that competes more on price than on personalized planning.
• Facet Wealth: Digital-first fee-only RIA providing flat-fee financial planning and investment management, often to clients below the traditional HNW threshold. Comparable as a fee-only fiduciary advisor targeting modern investors, but with a hybrid digital model that competes with SGH's high-touch offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sghwm
• Facebookfacebook.com/profile.php

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SGH Wealth Management