CEDARWOOD WEALTH LLC - Filing for Period Ending 12/31/2025

Key Takeaways

• $133.8M AUM across 91 advisory clients.
• 13F securities total $89.7M, 54.4% top‑10 concentration.
• Largest position: iShares Core S&P 500 ETF.
• Offers ERISA‑compliant 401(k) and profit‑sharing plan management.
• Utilizes fundamental, MPT, and cyclical analyses for portfolios.

Pulse Analysis

Cedarwood Wealth’s $133.8 million in discretionary assets places it among the mid‑size players shaping retirement‑plan advisory services. With 91 institutional clients, the firm’s scale enables it to negotiate favorable terms for ETFs and mutual funds, driving cost efficiencies for plan sponsors. Its 13F filing reveals a portfolio heavily weighted toward broad‑market index exposure, a trend that reflects the industry’s pivot away from high‑turnover active managers toward transparent, low‑fee solutions.

The advisory’s investment methodology blends classic fundamental research with modern portfolio theory and cyclical analysis, allowing it to construct globally diversified allocations that balance risk and return. By favoring ETFs such as the iShares Core S&P 500, Cedarwood leverages liquidity and tax efficiency while maintaining the flexibility to add small‑cap and value positions for clients seeking higher upside. This hybrid approach aligns with the growing demand for customized, yet scalable, investment solutions within ERISA‑governed plans.

For plan sponsors and participants, Cedarwood’s discretionary authority to hire or replace managers without client consent streamlines decision‑making and reduces administrative overhead. The firm’s emphasis on education—through seminars and materials—supports fiduciary compliance and enhances participant engagement. As regulatory scrutiny intensifies around fee transparency and ESG integration, Cedarwood’s data‑driven, diversified strategy positions it to adapt quickly, potentially setting a benchmark for other advisory firms navigating the evolving retirement‑plan landscape.