Green Pastures Wealth Management

What Green Pastures Wealth Management does

Green Pastures Wealth Management is an independent, fee-only registered investment advisory firm founded in 2003 by Leeland F. Gray, Jr. and headquartered in Trumbull, Connecticut. The firm provides investment advisory services to individual investors, with a stated focus on pre-retirees and retirees. It is registered to serve clients nationally, though its operational footprint appears concentrated in a small, founder-led practice model.

The firm's core offering is the All Weather Models framework, a set of ETF-based portfolio models designed to deliver diversified exposure across market conditions. It has extended this line with the Buffered & Floor All Weather Models, which incorporate downside-protection overlays aimed at mitigating sequence-of-returns risk for clients approaching or in retirement. In addition to ETF portfolios, the firm distributes a broad menu of annuity products — including Multi-Year Guaranteed Annuities (MYGA), Fixed Indexed Annuities (FIA), Single Premium Immediate Annuities (SPIA), Deferred Income Annuities (DIA), Qualified Longevity Annuity Contracts (QLAC), and Bonus/Fixed Annuities (BFA) — together with Fixed Income Ladders, positioning it as a holistic retirement-income provider rather than a pure-play asset manager.

Green Pastures operates on a fee-only basis, charging a flat 0.50% annual fee on assets under management, with no commission-based compensation disclosed. Client acquisition is driven primarily by referrals, an email newsletter, and website content marketing, supplemented by a free Portfolio Stress-Test service used as an engagement and lead-generation tool. The firm has no disclosed proprietary technology platform, no stated AI or quantitative capabilities, and no announced institutional partnerships, funding rounds, or acquisition activity, consistent with a bootstrapped, founder-owned practice.

Name

Green Pastures Wealth Management

Legal name

Green Pastures Wealth Management LLC

Website

https://greenpastureswm.com

Company type

Private

Founded year

2003

Operating status

Operating

Short description

Green Pastures Wealth Management is an independent, fee-only registered investment advisory firm founded in 2003 and based in Trumbull, Connecticut. It serves pre-retirees and retirees with ETF-based All Weather portfolio models, buffered variants, and annuity solutions at a 0.50% annual AUM fee.

Ownership category

akta.pro rank

Headquarters

HQ city

Easton

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, Others

Revenue model

1. Advisory Fee (AUM-based): Fee-only investment advisory firm charging 0.50% annually based on a percentage of investment assets under management. Incentive is aligned with client outcomes - if portfolio rises, firm income rises; if portfolio falls, firm income falls. Some annuity products recommended may include commissions paid by insurance companies to the firm.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Green Pastures Wealth Management LLC is an independent, fee-only registered investment advisory firm that manages investment and retirement income portfolios for individuals, prioritizing wealth preservation and risk management over maximizing gains. The firm delivers its services through proprietary portfolio models (All Weather Models, Buffered & Floor All Weather Models) and a curated annuity platform (MYGA, FIA, SPIA, DIA, QLAC, Buffered & Floor Annuities, Fixed Income Ladders), charging a 0.50% annual advisor fee on assets under management.

Product overview

Green Pastures Wealth Management is an independent investment advisory firm founded in 2003 that offers a unified suite of investment management and retirement income solutions organized around wealth preservation and risk management. The core investment offerings consist of the All Weather Models (strategically managed ETF portfolios for lower volatility) and the Buffered & Floor All Weather Models (which replace a portion of equity allocation with Buffered & Floor ETFs). These are complemented by a comprehensive annuity platform including Multi-Year Guarantee Annuities (MYGA), Fixed Index Annuities (FIA), Immediate Income Annuities (SPIA), Deferred Income Annuities (DIA), Qualified Longevity Annuity Contracts (QLAC), and Buffered & Floor Annuities (BFA). The firm also offers Fixed Income Ladders (annuity income laddering strategies) and a free Portfolio Stress-Test service. All services are delivered on a fee-only basis (0.50% advisor fee on managed assets) with no commissions.

Differentiator

Problem solved

Functional benefit

Brands

• All Weather Models: Investment models designed for individuals seeking lower downside volatility within their investment and retirement income portfolio using a strategically managed blend of Core Index ETFs, Dividend ETFs, Defensive ETFs, and Fixed Income ETFs.
• Buffered & Floor All Weather Models
• Multi-Year Guarantee Annuities (MYGA)
• Fixed Index Annuities (FIA)
• Immediate Income Annuities (SPIA)
• Deferred Income Annuities (DIA)
• Qualified Longevity Annuity Contracts (QLAC)
• Buffered & Floor Annuities (BFA)

Products and services

• All Weather Models Strategically managed ETF portfolio model designed for individuals seeking lower downside volatility relative to major U.S. equity market indices during bear markets. Combines Core Index, Dividend, Defensive, and Fixed Income ETFs with periodic re-balancing.
• Buffered & Floor All Weather Models Investment model that replaces a portion of equity allocation with Buffered & Floor ETFs (Defined Outcome ETFs), seeking to significantly lower portfolio downside volatility, reduce losses, and limit exposure to Sequence of Returns Risk. Targeted at pre-retirees and retirees prioritizing wealth preservation.
• Multi-Year Guarantee Annuities (MYGA) Fixed-rate, CD-type annuities providing a predetermined, contractually guaranteed interest rate for a specified period (typically 2 to 10+ years) with tax-deferred compounding growth.
• Fixed Index Annuities (FIA) Insurance products that protect principal from market losses, provide market upside potential via index-linked crediting strategies (caps, performance triggers, participation rates), and allow interest to grow and compound tax-deferred.
• Immediate Income Annuities (SPIA) Single Premium Immediate Annuities that deliver guaranteed lifetime income starting immediately upon purchase, providing a pension-like income stream for life regardless of investment portfolio performance.
• Deferred Income Annuities (DIA) Annuities designed to deliver guaranteed lifetime income beginning at a predetermined future target date, offering tax-efficient non-qualified income via an exclusion ratio and complementary to Social Security and employer pensions.
• Qualified Longevity Annuity Contracts (QLAC) Deferred income annuities purchased from qualified Traditional IRA funds that deliver guaranteed lifetime income beginning as late as age 85, allowing deferral of RMDs on allocated assets and functioning as a pension-like income stream built by the individual.
• Buffered & Floor Annuities (BFA) Index-linked variable annuity products providing downside protection via a Buffer (absorbing losses up to a stated amount) or Floor (absorbing losses below a stated threshold), with higher growth potential than fixed index annuities and tax-deferred compounding. Designed to replace a portion of equity allocation.
• Fixed Income Ladders Structured income strategies using combinations of MYGAs, FIAs, SPIAs, DIAs, and QLACs staggered across different maturity dates to manage interest rate risk and create guaranteed lifetime income streams at multiple future start dates.
• Free Portfolio Stress-Test A free portfolio analysis service that reviews a client's current mutual fund, ETF, and stock portfolio to evaluate drawdown history and stress-test performance during previous bear markets and bull market corrections.

Quantifiable outcome

• Lower downside volatility compared to major U.S. equity market indices during bear markets
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights2 records

Direct peers

• Edelman Financial Engines: Large fee-only RIA with deep retirement-income planning and 401(k) rollover focus, serving pre-retirees and retirees nationally. Comparable to Green Pastures in client segment (pre-retirees/retirees), retirement-income solutions, and fiduciary-only positioning.
• Facet Wealth: Tech-enabled, fee-only RIA serving mass-affluent and retiree clients with personalized financial planning and investment management. Closely comparable to Green Pastures in fiduciary fee-only structure, retirement focus, and individualized planning model.
• Fisher Investments: Large independent RIA managing discretionary portfolios for individual and institutional clients with a strong emphasis on private wealth management. Comparable as a fee-based independent advisor managing portfolios for individuals, though at much greater scale.
• Personal Capital / Empower Personal Strategy: Hybrid digital RIA combining technology dashboards with human advisors, with strong retirement and decumulation planning offerings. Comparable to Green Pastures in combining portfolio management, retirement-income focus, and individual investor tools.
• Carson Group: RIA platform supporting independent advisors with retirement-income and wealth-preservation solutions, including annuity and holistic planning tools. Comparable in advisor-supported retirement-income focus and emphasis on risk-managed portfolios.

Emerging players

• Betterment: Leading robo-advisor offering automated, goals-based portfolio management and retirement planning at low fees. Comparable as a goals-based, fee-aligned investment and retirement solution for individuals, competing for the same pre-retiree/retiree segment.
• Wealthfront: Automated investment and financial planning platform targeting younger and mass-affluent individuals with goal-based portfolios and retirement planning tools. Comparable as a low-fee, technology-driven alternative for individuals seeking goals-based portfolio management.

Broad incumbents

• Vanguard Personal Advisor Services: Vanguard's hybrid advisory offering combining automated portfolio management with human advisor access for individual investors. Comparable in low-cost, fee-based advisory for individual investors, with much stronger brand, scale, and proprietary fund ecosystem.
• Edward Jones: Large retail wealth management franchise with thousands of local financial advisors focused on individuals, retirement income, and annuities. Comparable in retirement-income and annuity focus, but operates under a more traditional (not fee-only) model with much broader scale.
• Charles Schwab Personal Advisor Services: Schwab's hybrid advisory service combining automated portfolios with CFP-led guidance for individual investors. Comparable as a fee-based advisory solution for retail/pre-retiree clients, but at much larger scale and with integrated custody and technology.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Green Pastures Wealth Management