Three Cord True Wealth Management provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 584 clients last fiscal year.
Three Cord True Wealth Management reports 584 clients. They include 323 individual clients, 254 high-net-worth individuals, and 3 pension and profit-sharing plans. Of its assets, 98.4% ($313M across 999 accounts) are managed with discretion; $5.14M across 5 accounts are not. A wrap fee program the firm both sponsors and manages holds $318M. It advised 44 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 55% | 21% |
| High-net-worth individuals | 43% | 78% |
| Pension and profit-sharing plans | <1% | <1% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 323 | $66.5M | 20.9% | $206K |
| High-net-worth individuals | 254 | $249M | 78.5% | $982K |
| Pension and profit-sharing plans | Fewer than 5 | $670K | 0.2% | $223K |
| Charitable organizations | Fewer than 5 | $956K | 0.3% | $956K |
| Corporations and other businesses | Fewer than 5 | $277K | 0.1% | $92.4K |
| Total | 584 | $318M | 100% | — |
- Clients
- 323
- Regulatory AUM
- $66.5M
- AUM share
- 20.9%
- Avg. per client
- $206K
- Clients
- 254
- Regulatory AUM
- $249M
- AUM share
- 78.5%
- Avg. per client
- $982K
- Clients
- Fewer than 5
- Regulatory AUM
- $670K
- AUM share
- 0.2%
- Avg. per client
- $223K
- Clients
- Fewer than 5
- Regulatory AUM
- $956K
- AUM share
- 0.3%
- Avg. per client
- $956K
- Clients
- Fewer than 5
- Regulatory AUM
- $277K
- AUM share
- 0.1%
- Avg. per client
- $92.4K
Total
- Clients
- 584
- Regulatory AUM
- $318M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 44
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 584
Three Cord True Wealth Management charges 0.70%–1.30% a year for its 3CTWM II Wrap Fee Program. The fee is billed in advance and is negotiable.
Fee details and sources
Three Cord True Wealth Holdings II, LLC owns 75% or more of Three Cord True Wealth Management and is in turn owned by Nicholas Raught (25–50%) and Vasilios Rizos (25–50%). The leadership team of Three Cord True Wealth Management includes Chief Compliance Officer Amanda Albanese. It has 9 employees, 7 of them in advisory roles.
Leadership
- Amanda AlbaneseChief Compliance Officer
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
- Tod Reed Arbutina
- Dana Marie Fitzgerald
- James Emory Garr
- Robert Timothy Holdcroft
- Nicholas John Raught
- Vasilios K Rizos
Staff
- 9 employees
- 7 in advisory functions
- 6 state-registered reps
- 4 broker-dealer reps
- 5 insurance agents
- Owns 75% or more of Three Cord True Wealth Management, LLC
Three Cord True Wealth Holdings II, LLC
Control person · since January 2026
- Owns 25% to 50% of Three Cord True Wealth Holdings II, LLC
Nicholas Raught
Control person · since January 2026
- Owns 25% to 50% of Three Cord True Wealth Holdings II, LLC
Vasilios Rizos
Control person · since January 2026
Three Cord True Wealth Management’s regulatory assets grew 2.6× from $121M (April 2021) to $318M (May 2026); clients rose from 198 to 584 and employees from 4 to 9.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| May 2026 | $318M | 584 | 9 | 1 |
| April 2025 | $252M | 509 | 8 | 1 |
| July 2024 | $191M | 403 | 8 | 2 |
| March 2023 | $150M | 351 | 9 | 2 |
| April 2022 | $156M | 301 | 8 | 2 |
| April 2021 | $121M | 198 | 4 | 2 |
Besides its headquarters, Three Cord True Wealth Management has 0 offices, with 1 listed address in Pennsylvania.
Pennsylvania · 1 listed address
- 535 Third Street, BeaverHQ
Other business names
Three Cord True Wealth Management has reported 1 other business name to the SEC.
- Holdcroft Wealth Management
Contact and registration details
- Legal name
- Three Cord True Wealth Management, LLC
- Headquarters
- 535 Third Street, Beaver, PA 15009
- Website
- 3ctruewealth.com
- Phone
- 724-683-3456
- @3ctruewealthmanagement
- SEC file
- 801-119394
- Structure
- Pennsylvania LLC
- Fiscal year end
- December
Three Cord True Wealth Management uses LPL Financial ($26.5M) as custodian for its separately managed accounts. Three Cord True Wealth Management has custody of $26.5M in client assets for 36 clients.
- LPL FinancialLPL Financial LLC · Fort Mill, SC · $26.5M100%
At year end, Three Cord True Wealth Management’s separately managed accounts were mostly in funds (93%). Its reported 13F holdings for the quarter ended 30 June 2026 total $210M across 43 positions; the largest are SPDR Series Trust (15.1%), Columbia ETF TR I (14.6%) and American Centy ETF TR (13.6%).
What the accounts hold
- Stocks3%
- Funds93%
- Bonds1%
- Cash3%
Reported 13F holdings
- $210M
- Reported 13F value
- 43
- Positions
- 90.3%
- In the 10 largest
- +16.8%
- Value vs. prior quarter
- SPDR Series Trust · ST Str P500grw15.1%
- Columbia ETF TR I · Resh Enhnc Cor14.6%
- American Centy ETF TR · US Large Cap Vlu13.6%
- First TR Exchange-traded Alp · Com Shs10.1%
- Janus Detroit Str TR · Hendrson Aaa CL9.5%
- Invesco Exch Traded FD TR II · S&P Intl Momnt9.0%
- American Centy ETF TR · US Sml CP Valu7.6%
- SPDR Index Shs Fds · ST Mar Divid ETF4.1%
- First TR Exchng Traded FD VI · FT Ladd Buff ETF3.6%
- Vaneck Merk Gold ETF · Gold Shs3.2%
Together, the ten largest are 90.3% of reported value.
How many clients does Three Cord True Wealth Management have?
Three Cord True Wealth Management has 584 clients and manages $318 million for them, as of May 2026. They include 323 individual clients, 254 high-net-worth individuals, and 3 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 May 2026
What services does Three Cord True Wealth Management offer?
Three Cord True Wealth Management provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Three Cord True Wealth Management charge?
Three Cord True Wealth Management charges 0.70%–1.30% a year for its 3CTWM II Wrap Fee Program. The fee is billed in advance and is negotiable.
Which custodians does Three Cord True Wealth Management use?
Three Cord True Wealth Management’s separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $26.5M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 May 2026
How many financial advisors does Three Cord True Wealth Management have?
Three Cord True Wealth Management has 6 investment adviser representatives registered with state securities authorities, out of 9 employees, and 7 perform investment advisory functions. 4 employees are registered representatives of a broker-dealer and 5 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Three Cord True Wealth Management invest in?
At the end of its last fiscal year, Three Cord True Wealth Management’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 3% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Three Cord True Wealth Management?
Three Cord True Wealth Management is owned through a holding company by Nicholas Raught and Vasilios Rizos. Its direct owner is Three Cord True Wealth Holdings II, LLC (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 15 May 2026
How does Three Cord True Wealth Management get paid?
Three Cord True Wealth Management is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Three Cord True Wealth Management registered with the SEC?
Yes, Three Cord True Wealth Management has been registered with the SEC as an investment adviser since 2 September 2020. Its CRD number is 307480 and its SEC file number is 801-119394.
Source: Form ADV Part 1A, Item 1, filed 15 May 2026; IAPD firm record
How do I contact Three Cord True Wealth Management?
Three Cord True Wealth Management’s main office is at 535 Third Street, Beaver, PA 15009. Its phone number is 724-683-3456. Its website is 3ctruewealth.com.