Cole Financial Advisors, Inc.

Cole Financial Advisors, Inc. provides portfolio management and pension consulting primarily for pension and employee benefit plans and other pooled or institutional vehicles, while also operating a Strategic Wealth Management platform that can be used for individually managed accounts. Its services include discretionary portfolio management, preparation of investment policy statements, manager selection and monitoring, and custodial/administrative oversight through its asset management platform.

The firm’s investment process is model-driven and committee-governed: a Portfolio Analyst and an Investment Committee develop model allocations that investment adviser representatives may implement or adapt for each client, and the firm documents risk tolerances and investment policies for discretionary accounts. Cole FA uses fundamental, modern portfolio theory and quantitative analysis and generally employs a long-term trading approach, and it requires custody of client assets at a designated broker‑dealer platform to execute and report trades.

Compared with many peers, Cole FA is notable for sponsoring a wrap fee program while also offering formal pension consulting services to retirement plans, and for its affiliation with insurance activities through its principals’ insurance licensing and broker‑dealer registrations. These arrangements — including receipt of platform and transition assistance from its custodial partner and the firm’s absorption of transaction charges in wrap accounts — are disclosed conflicts of interest that may affect recommendations and trading incentives.