TradeWinds Wealth Management
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Portland, Oregon · Nationally

Every portfolio works in fair weather.

TradeWinds Wealth Management is a fee-only fiduciary built on a plain idea: a strategy that can change course when conditions change is worth more than one that can only hold on. We run rules-based portfolios with an accelerator and a set of brakes, and we wrap them in a planning process that answers the question underneath all of it: will this last.

Find your starting pointTake the 3-minute assessment

The trade winds are the steadiest winds on earth. They still shift. Every crossing is sailed by adjusting.

Start here

Which one of these sounds like you?

The advice worth reading depends entirely on who is asking. Pick the description that fits and the rest of the site will speak to your situation instead of everyone's.

Managing a 401(k), 403(b), or 457 you can't move yet? We can manage it inside the plan. A physician weighing a pension election? Start here instead.

Not sure which fits? Nine questions will tell you where your plan actually stands, and the answer usually makes the path obvious. Take the assessment.

~$170 million

Assets under management

As of July 2026

~270

Client households

Across the country

2007

Advising clients since

Firm founded 2023

Fee-only

No commissions

No proprietary products

TradeWinds Asset Management, LLC is an SEC-registered investment advisor and a fee-only fiduciary. Client assets are custodied at Charles Schwab, which holds them and reports to you directly. We are paid by our clients and by nobody else.

What makes us different

An accelerator, and a set of brakes.

Most portfolios are built with one control. They participate when markets rise, and they participate just as fully when markets fall. For someone thirty years from retirement, that is likely survivable. For someone drawing income, a large loss at the wrong moment is the thing that can permanently change the plan.

See the six strategies

Rules, written down before they're needed

Our strategies follow documented, quantitative rules for when to reduce equity exposure and when to re-engage. The decisions are made in advance, in daylight, rather than in the middle of a decline.

Built by someone trained to test things

Christian D'Urso, Founder & Chief Investment Officer, holds a master's degree in physics and has advised clients since 2007. The research discipline is the point: a strategy you cannot describe precisely is a strategy you cannot evaluate.

Six strategies, one philosophy

Diversified, ESG, Targeted, Rotational, Tactical, and Active Income. Each has its own objective and its own intended range of market exposure, and all of them share the same approach to managing downside risk.

Risk management describes an investment objective and the process we follow to pursue it. It is not a guarantee against loss. All investing involves risk, including the possible loss of principal, and no strategy assures a profit or protects against loss in a declining market.

The Retirement Navigation System

We believe nine things have to be true. Most people arrive with less than four.

Every TradeWinds relationship is organized around three levers and nine accelerators. It exists so nothing important gets handled by accident, and so you can see for yourself which parts of your plan are solid and which are assumptions nobody has tested.

Growth

Rigid → Adaptive

Markets change character. A portfolio that cannot change with them is making one bet, forever, and hoping the timing works out.

  • Market Compass

    How your allocation responds when market leadership changes.

  • Risk Barometer

    Whether risk is static or adaptive.

  • Stress Test

    What your plan looks like in the bad version of the future.

Planning

Uncertain → Optimized

Most people know roughly what they have. Far fewer know what it produces, what it costs them in tax, and how long it lasts under pressure.

  • Holistic Lens

    One current view of everything you own and owe.

  • Income Blueprint

    Which account you draw from first, and what it costs you.

  • Leak Check

    What inflation and rising taxes take out of the plan.

Protection

Vulnerable → Insulated

A retirement plan is only as strong as what happens when something goes wrong. Illness, a death, a long-term care event: each one can undo decades of saving.

  • Contingency Plan

    What happens to the household if an income stops.

  • Care Strategy

    Who provides care, and what pays for it.

  • Transition Map

    How decisions and assets move when you can no longer make them.

Independence

Your choices stay yours. Nobody in your family has to reorganize their life around your finances.

Financial resilience

A bad market, a bad diagnosis, or a bad year does not force a permanent change in how you live.

Quality of life

You spend what you meant to spend, on what you meant to spend it on, without second-guessing every withdrawal.

Score yourself across all nineExplore the interactive model

The readiness assessment · free · 3 minutes

Find the gap you didn't know you had.

This is the same calibration we walk through with prospective clients. Nine questions, one to ten, across every part of a retirement plan. Nobody scores green on all nine — the useful part is finding out which of the reds you did not know about.

Score your planSee the framework first
  • 01

    Your score, free

    All 9 accelerators scored and color-coded the moment you finish. No email needed to see it.

  • 02

    The written breakdown

    What each score actually implies and the order to work through them, in exchange for a name and an email.

  • 03

    Then a conversation, if you want one

    Bring the scorecard. An advisor will have seen it before you sit down.

How this usually goes

We teach first. You decide after.

Nobody makes a good decision about thirty years of money in a first meeting. So we don't ask you to.

  1. 01

    Learn something first

    Read your path, take the assessment, or come to a workshop. You should understand your own situation better before you ever speak to us.

  2. 02

    A conversation, not a pitch

    We walk through the nine accelerators together and mark where you actually stand. You leave with a picture of your plan whether or not you hire us.

  3. 03

    See the plan before you commit

    Income modeling, tax and Roth conversion analysis, risk assessment, and the strategy we'd recommend, all of it reviewed with you before any paperwork.

  4. 04

    Then we go to work

    Accounts open at Schwab. Portfolios follow the documented rules. We meet on a schedule, and the accelerators get reviewed as your life changes.

Common questions

The things people ask before they call.

Yes. TradeWinds Asset Management, LLC is an SEC-registered investment adviser and operates as a fee-only fiduciary, which means we are required to act in your interest and we are paid by our clients rather than by commissions or product sales. We do not sell proprietary products.

TradeWinds asks for $250,000 in investable assets for most new relationships, and $500,000 for households who come to us through our national channel. Members of an existing client's family tree have no minimum through the Generations program.

TradeWinds is fee-only. Clients pay an asset-based advisory fee, tiered so that the effective rate declines as a relationship grows. We receive no commissions, no revenue sharing, and no compensation from product providers. Current fee schedules are disclosed in our Form ADV Part 2A.

Client assets are custodied at Charles Schwab. TradeWinds never takes custody of client funds; Schwab holds the assets and reports directly to you.

Yes. TradeWinds is headquartered in Portland, Oregon, and works with clients nationally. The firm is built to operate remotely, and our founder is based in Rhode Island.

It means a portion of the portfolio follows documented rules that reduce equity exposure when market conditions deteriorate and re-engage as conditions improve, rather than holding a fixed allocation through every environment. This is an approach to managing risk, not a guarantee against loss. All investing involves risk, including possible loss of principal.

Next step

Start with a conversation that costs you nothing but the hour.

Bring the question you have been putting off. If we are a fit, we will tell you what working together looks like. If we are not, we will tell you that too, and point you somewhere better.

Book an intro callTake the assessment first