Advanced Financial Management, Inc.

Advanced Financial Management provides comprehensive and ongoing financial planning, one-off financial consulting, portfolio management and retirement plan consulting to individuals (including high-net-worth clients) and business entities. The firm manages client assets through customized portfolios and model allocations and works with clients on cash flow, tax, insurance and retirement needs.

The firm’s investment process begins with an asset-allocation framework aligned to a client’s goals and risk tolerance and relies on fundamental analysis and rebalancing; portfolio management is delivered through the firm’s proprietary model portfolios and third‑party sub-advisors, with the firm retaining discretionary authority to hire, monitor and replace those sub-advisors. Clients receive periodic reviews and custodial account statements from the qualified custodian, and the firm documents client objectives and any investment restrictions before managing accounts.

What is distinctive is the firm’s combination of advisory services with affiliated accounting/tax and insurance activities, an arrangement that is relatively uncommon among peers and that the firm discloses as creating potential conflicts of interest which it says it seeks to mitigate. The firm recently added retirement plan consulting and limits its ERISA fiduciary work to Section 3(21) services, and it operates with a small advisory team managing roughly $21.6 million in client assets across about 184 client relationships while outsourcing day-to-day investment execution to sub-advisors.