49 Financial

49 Financial provides advisory services to a broad client base including individuals (both non-HNW and high‑net‑worth), trusts, estates, corporations, and retirement plans. The firm offers financial planning (project and ongoing), advanced planning, discretionary investment management, retirement plan consulting, and a tiered fractional family office service with both standard and premium options.

The firm’s investment approach is built on diversified asset allocation and Modern Portfolio Theory, using a mix of mutual funds and ETFs in proprietary model portfolios and third‑party managers; models are monitored by an internal Investment Committee and the firm allows tactical rebalancing within strategic ranges. 49 Financial also subscribes to the SmartX platform and may use Opal Capital models and sub‑advisory services as part of its OCIO arrangements.

Noteworthy distinctions include that several supervised persons are registered representatives of a broker‑dealer (Oakwood) and may receive commissions or insurance compensation for certain product sales, a practice the brochure discloses as a potential conflict of interest. The firm also markets fractional family office services that include concierge and household management and requires a $10 million minimum net worth (at least $5 million liquid) for those services, and it has a formal OCIO relationship with Opal Capital through SmartX that includes fee‑sharing and potential equity arrangements that create economic incentives to use Opal models.