A&G Financial Management, LLC

A&G Financial Management, LLC provides discretionary portfolio management and related advisory services to individuals (including high-net-worth clients) and business entities, creating an Investment Policy Statement for each client and managing approximately $23.5 million in discretionary assets. The firm implements standard portfolio services such as asset allocation, asset selection, risk-tolerance documentation and regular portfolio monitoring across mutual funds, equities, bonds, ETFs, REITs and government securities.

The firm’s process centers on client-specific Investment Policy Statements and discretionary authority to execute trades; its methods of analysis include charting, fundamental, technical and cyclical approaches. AGFM manages client assets in-house rather than selecting third‑party managers and employs a range of strategies from long-term holdings to short-term trading, including short sales, margin transactions and options writing, with quarterly reporting provided via custodians and no custody taken by the adviser.

A&G’s brochure discloses a regulatory consent order alleging failures to obtain and track executed client agreements, to meet net capital requirements, and to accurately report non‑allowable assets; the matter was resolved by consent with a $3,000 civil penalty. The combination of a single‑advisor firm with modest assets under management that nevertheless uses higher‑risk trading strategies, together with the disclosed disciplinary event, are noteworthy distinctions relative to many supported peers.