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A & L Financial Services, LLC

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Client assets under management

$53,730,710

Clients

72

18% high-net worth

Advisors

3

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

24

Low

Average account size

$746,260

About

A&L Financial Services provides personalized financial planning and discretionary asset management primarily to individual and high net worth clients. The firm operates on a fee-only, percentage-of-assets basis and documents client goals and risk tolerances in investment policy statements used to guide ongoing advice.

Portfolios are managed on a discretionary basis using fundamental, technical, and cyclical analysis, with portfolio monitoring, rebalancing, and consideration of tax-loss harvesting described as part of regular reviews. The brochure explicitly describes option-writing strategies — including covered, uncovered, and spread positions — to increase income on equity holdings and discusses borrowing-related risks, and the firm’s managed-account program may employ borrowing in support of these strategies.

What is distinctive for a firm of this size is the explicit use of derivatives and the allowance of borrowing within separately managed accounts, which introduces higher complexity and risk compared with many peers. The firm also maintains a relatively small advisory team managing a modest number of client relationships, emphasizes fee-only advice without commission products, and relies on custodians to provide client statements while clients retain proxy voting responsibility.

Client services

Financial planning Portfolio management

Expertise

Options & derivatives strategies Cash flow / budgeting General estate planning guidance Retirement income strategy

Fee options

Percentage

0.75% annually, billed quarterly in advance

Other

Minimum fee: Advisor may charge up to $250 to cover any closing costs Fee-only: A&L is a fee-only financial planning and investment management firm; does not sell commissioned products

Main office location

A & L Financial Services, LLC

Rochester MI, United States

Number of offices

2

Most active in

More info

Michigan · Texas

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

248-420-3089

Advisors at this firm

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Alan A

Series 65

Rochester, MI

A & L Financial Services, LLC

Alan Aidem is a financial advisor at A & L Financial Services, LLC with one year of industry experience. He has worked at A & L Financial Services since 2021 and previously held roles at Valassis and Meijer Corp. A & L Financial Services provides personalized financial planning and discretionary investment management primarily to individual and high-net-worth clients. The fee-only firm manages approximately $53.7 million and employs a combination of fundamental, technical, and cyclical analysis, including option-writing strategies, to build portfolios aligned with clients’ objectives and risk tolerance.

Options & derivatives strategies Cash flow / budgeting General estate planning guidance Retirement income strategy
user avatar

Michael A

Series 65

Rochester, MI

A & L Financial Services, LLC

Michael Aidem is a financial advisor at A & L Financial Services, LLC with four years of industry experience. He holds a Series 65 designation and has been with A & L Financial Services since 2021. Prior to his advisory role, he worked in the restaurant industry for six years. A & L Financial Services provides personalized financial planning and discretionary investment management primarily to individual and high-net-worth clients. The firm operates on a fee-only basis, employs option-writing strategies as part of its portfolio construction, and emphasizes individualized plan reviews and coordination with outside professionals.

Options & derivatives strategies Cash flow / budgeting General estate planning guidance Retirement income strategy
user avatar

Gary A

Series 65

Rochester, MI

A & L Financial Services, LLC

Gary Aidem is a financial advisor with A & L Financial Services, LLC in Rochester, MI, holding a Series 65 designation and 15 years of industry experience. He has been with A & L Financial since 2000. Outside of his advisory role, he is employed as a loan officer at St. James Mortgage Corp., assisting qualified individuals with residential mortgage acquisition. A & L Financial Services provides personalized financial planning and discretionary investment management primarily to individual and high-net-worth clients. The firm employs a mix of fundamental, technical, and cyclical analysis, including option-writing strategies, and operates on a fee-only, principal-led basis.

Options & derivatives strategies Cash flow / budgeting General estate planning guidance Retirement income strategy
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