Aegis Wealth Management Inc. (“Aegis Wealth” and/or “the firm”) is a corporation formed in the State of
Colorado. Darin Wayne Edward Lucas, Carl Stephen Muehlemeyer and Rick Lynn Rumelhart are the principal
owners of Aegis Wealth. Aegis Wealth has been offering investment advisory services since 2019.
The following paragraphs describe our services and fees. You may see the term Associated Person throughout
this Brochure. As used in this Brochure, this term refers to anyone from our firm who is an officer, employee, and
all individuals providing investment advice on behalf of our firm. Where required, such persons are properly
licensed or registered as investment adviser representatives.
Financial Planning Services
We offer broad-based financial planning services regarding management of financial resources based upon an
analysis of the client’s individual needs. We will meet with you to gather information about your financial
circumstances and objectives. Once we collect and analyse the documentation and information you provide, we
work with you to develop a financial plan designed to help you achieve your financial goals and objectives. In this
way, Aegis Wealth assists the client in developing a strategy for the management of income, assets, and liabilities.
In general, financial planning services may include any one or all of the following:
• Cash Flow Analysis – Assessment of a client’s present financial situation by collecting information
regarding net worth and cash flow statements, tax returns, insurance policies, investment portfolios,
pension plans, employee benefit statements, etc. The firm advises on ways to reduce risk, coordinate,
and organize records and estate information.
• Retirement Analysis – Identification of a client’s long-term financial and personal goals and objectives
includes advice for accumulating wealth for retirement income or appropriate distribution of assets
following retirement. Tax consequences and implications are identified and evaluated.
• Portfolio Analysis/Investment Planning – We provide investment alternatives, including asset allocation,
and effect on a client’s portfolio. We evaluate economic and tax characteristics of existing investments
as well as their suitability for a client’s objectives. We identify and evaluate tax consequences and their
implications.
• Insurance Analysis – Includes risk management associated with advisory recommendations based on a
combination of insurance types to meet a client’s needs, e.g., life, health, disability, and long-term care
insurance. This will necessitate an analysis of cash needs of family at death, income needs of surviving
dependents, and disability income analysis.
• Education Savings Analysis – Alternatives and strategies with respect to the complete or partial funding
of college or other post-secondary education.
Financial plans are based on a client’s financial situation based on the information provided to the firm. The
recommendations and solutions are designed to achieve the client’s desired goals, subject to periodic evaluation
of the financial plan, which may require revision to meet changing circumstances. We should be notified promptly
of any change to a client’s financial situation, goals, objectives, or needs.
Clients can also request financial planning services that cover a specific area, such as retirement, or asset
allocation analysis. We offer consultative services where we set an appointment to meet with you for financial
planning advice for an hourly fee.
You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations,
you may do so either through our investment advisory services or by using the advisory/brokerage firm of your
choice.
In some cases, our recommendations will involve the purchase of insurance products. Associated Persons of Aegis
Wealth are licensed insurance agents and can effect transactions in insurance products and earn commission
based compensation for these activities. Clients should be aware that a conflict of interest is inherent in such an
arrangement. Clients are instructed that the fees paid to the firm for advisory services are separate and distinct
from the commissions earned by our dually licensed Associated Persons. Clients of Aegis Wealth are not required
to purchase insurance products from the firm’s dually licensed Associated Persons and can purchase insurance
products from any insurance agency and agent they choose.
Note: Information related to tax and legal consequences that is provided as part of the financial plan is for
informative purposes only. Clients are instructed to contact their tax or legal advisers for personalized advice.
Portfolio Management Services
Aegis Wealth offers discretionary portfolio management services. Discretionary portfolio management means
that we chose the broker dealer/custodian to be used, we make investment decisions, and place buy or sell orders
in your account without contacting you to receive your advance permission. If you wish, you may limit our
discretionary authority by, for example, setting a limit on the type of securities that can be purchased for your
account. All restrictions or guidelines must be provided in writing. Our investment advice is tailored to meet our
clients’ needs and investment objectives. If you decide to hire our firm to assist you with the management of your
portfolio, an Associated Person of Aegis Wealth will meet with you and gather information about your financial
situation, investment objectives, and any reasonable restrictions you would like to impose on the management
of the account. The information we gather will help us implement an asset allocation strategy that will be specific
to your needs and goals.
Currently, our asset allocation
and advisory services are offered in conjunction with a sub adviser. The sub adviser
assists our firm with back-office support, trading, report preparation, and billing. We use model portfolios
developed by the sub adviser and/or other registered investment advisers. These other investment advisers are
responsible for the research and security selection, Aegis Wealth is responsible for the supervision of the account
and the sub adviser is responsible for day-to-day trading, billing calculation and other back-office operations. At
this time, Aegis Wealth uses the following sub advisers/third-paty advisers:
GeoWealth Management LLC (CRD#148222): GeoWealth Management LLC gives us access to its proprietary
portfolio models, along with models provided by State Street Global Advisors, Global X Management, and JP
Morgan Asset Management, among others. All disclosure information about these entities is available on the
SEC’s public disclosure site,
www.adviserinfo.sec.gov. All clients will be provided with a current copy of
GeoWealth Management LLC’s Form ADV Part 2 Brochure at the inception of service. This document provides
important disclosures about GeoWealth Management LLC’s services, portfolio models, fees, conflicts of interest,
disciplinary history (if any), and other important information that would help clients understand the scope of sub
advisory services provided by GeoWealth Management LLC.
Foresight Investment Advisors, LLC (CRD#155800): Foresight Investment Advisors, LLC gives us access to its
proprietary investment strategies. All disclosure information about Foresight Investment Advisors, LLC is available
on the SEC’s public disclosure site,
www.adviserinfo.sec.gov. All clients will be provided with a current copy of
Foresight Investment Advisors, LLC’s Form ADV Part 2 Brochure at the inception of service. This document
provides important disclosures about Foresight Investment Advisors, LLC’s services, portfolio models, fees,
conflicts of interest, disciplinary history (if any), and other important information that would help clients
understand the scope of sub advisory services provided by Foresight Investment Advisors, LLC.
Howard Capital Management, Inc. (CRD#118070): Howard Capital Management, Inc. gives us access to its
proprietary investment strategies. All disclosure information about Howard Capital Management, Inc. is available
on the SEC’s public disclosure site,
www.adviserinfo.sec.gov. All clients will be provided with a current copy of
Howard Capital Management, Inc.’s Form ADV Part 2 Brochure at the inception of service. This document provides
important disclosures about Howard Capital Management, Inc.’s services, portfolio models, fees, conflicts of
interest, disciplinary history (if any), and other important information that would help clients understand the
scope of sub advisory services provided by Howard Capital Management, Inc.
Portfolio Medics, LLC (CRD#145958): Portfolio Medics, LLC gives us access to its proprietary investment
strategies. All disclosure information about Portfolio Medics, LLC is available on the SEC’s public disclosure site,
www.adviserinfo.sec.gov. All clients will be provided with a current copy of Portfolio Medics, LLC’s Form ADV Part
2 Brochure at the inception of service. This document provides important disclosures about Portfolio Medics,
LLC’s services, portfolio models, fees, conflicts of interest, disciplinary history (if any), and other important
information that would help clients understand the scope of sub advisory services provided by Portfolio Medics,
LLC.
All accounts are managed in accordance with the client’s investment needs and may include various types of
securities such as equity securities, Exchange Traded Funds (ETFs), mutual funds, corporate debt securities,
commercial paper, certificates of deposit, municipal securities, and U.S. Government securities. Other types of
investments may also be recommended where such investments are appropriate based on the client’s stated
goals and objectives.
Investments and allocations are determined and based upon the client’s predefined objectives, risk tolerance,
time horizon, financial horizon, financial information, and other various suitability factors. Further restrictions and
guidelines imposed by the client may affect the composition and performance of a client’s portfolio. For these
reasons, performance of the portfolio may not be identical to the average client of Aegis Wealth. On an ongoing
basis, Aegis Wealth reviews the client’s financial circumstances and investment objectives, and instructs the sub
adviser to make the necessary adjustments to the client’s portfolio.
Clients are required to provide the firm with prompt notice of any changes in their personal financial
circumstances, investment objectives, goals, and tolerance for risk. Aegis Wealth will contact the client at least
annually to determine whether there have been any changes in the client's personal financial circumstances,
investment objectives, and tolerance for risk.
Wrap Fee Program
Aegis Wealth does not sponsor or participate in a Wrap Fee Program.
Assets Under Management
As of February 26, 2024, we manage approximately $143,104,727 in client assets on a discretionary basis and
approximately $0 in client assets on a non-discretionary basis.