AA Financial Services

AA Financial Services is a state-registered, single-advisor practice that provides financial and retirement planning and consultative investment advice to individuals, nonprofit organizations, and small businesses. Services are delivered on a non-discretionary basis as advisory consultations and periodic portfolio reviews rather than continuous discretionary portfolio management.

The firm combines fundamental and technical analysis with a primary emphasis on asset allocation and a passive, long-term equity approach, supplementing security selection and limited market timing for shorter-term objectives; permissible investments are limited to exchange-listed equities, major index constituents, index funds, and cash equivalents. Clients receive scheduled six-month and annual reviews and written reports, and the firm does not take custody of client assets or exercise trading discretion.

Noteworthy aspects include the owner’s concurrent, long-established CPA practice and the firm’s explicit affiliation with accounting services; advisory work is integrated into that professional practice and the firm refrains from providing audit services to its advisory clients to avoid conflicts of interest. The firm operates at a very small scale with no regulatory AUM and a handful of clients, using fixed and hourly arrangements in the initial year with the option to transition to a percentage-based annual fee for larger portfolios after the first year.