A & L Personal Business Management, LLC

A & L Personal Business Management provides asset management and comprehensive portfolio management services—combining portfolio construction and ongoing monitoring with financial planning or consulting—to individuals (notably high‑net‑worth), trusts, estates and business entities. The firm’s brochure reports regulatory assets under management of about $42.98 million and lists corporations, limited liability companies and other business types among its client categories.

The firm employs a broad mix of analytical methods, including fundamental, technical, quantitative and sector analysis, and pursues strategies such as asset allocation (strategic, dynamic, tactical, and core‑satellite), fixed income, alternatives, and the selective use of options, margin and short‑term trades. A & L manages client accounts on a primarily non‑discretionary basis and obtains client authorization prior to effecting securities transactions, emphasizing client‑directed decisions.

Noteworthy features relative to many independent advisers include the firm’s combination of institutional‑style client relationships (corporate and business clients) with predominantly non‑discretionary asset management and a concentrated asset base. The brochure also discloses that firm representatives are licensed insurance agents and that the firm recently switched from SEC to state registration—operational details that can affect how services are provided and conflicts are managed.