3A Financial Group, LLC

3A Financial Group is an independent registered investment adviser that provides financial planning and portfolio management to individuals, high‑net‑worth clients, trusts, foundations, estates and certain charitable organizations. The firm also facilitates implementation through referrals and, in a separate capacity, offers accounting, tax and insurance services that clients may choose to use.

The firm’s process begins with a client discovery to determine goals, risk tolerance and a suitable asset allocation, relying primarily on fundamental analysis and a long‑term orientation; investment policy statements are used in more complex situations. Accounts are managed on a primarily non‑discretionary basis, with ongoing monitoring and periodic rebalancing, and the firm offers a wrap‑fee program that bundles transaction and administrative costs into a single advisory fee.

Compared with many peer independent advisers, 3A Financial Group’s client mix — including institutional‑type clients such as foundations and other charitable entities — and its predominance of non‑discretionary assets are atypical. The firm’s principal holds professional credentials in accounting and financial planning and maintains registered representative and insurance licenses, and the brochure discloses related business activities and an institutional custodian relationship that provide operational benefits and are managed as potential conflicts of interest.