Affinity Financial Advisory

Affinity Financial Advisory is a small, discretionary investment adviser serving mostly individual clients (including some high-net-worth households) as well as a limited number of businesses and charities. The firm offers portfolio management alongside comprehensive financial advisory services—covering cash flow, taxes, insurance, retirement, estate and charitable planning—and manages client assets through custodial platforms (Charles Schwab is the primary custodian) as well as alternative access such as the Absolute Capital WIN platform.

Affinity’s investment process centers on assigning each account an investment account profile (FM/SL/SA) that combines account size, equity exposure type and a stated risk level, and then using technical analysis—including moving-average based indicators and longer-term signals—to determine when individual securities should be bought, held or sold. The firm implements those profiles across a broad set of vehicles (ETFs, mutual funds, closed-end funds, structured products, options strategies and variable annuities) and uses block trading to allocate trades across client accounts.

What distinguishes Affinity from many peers is its emphasis on technical analysis as the primary timing tool rather than exclusively relying on fundamental or buy-and-hold strategies, and its routine use of specialized instruments such as buffered-equity funds, accelerated/leveraged ETFs (including option-based “accelerated” funds), risk-managed strategy funds (RMGR/RMAA) and annuity features like guaranteed lifetime withdrawal benefits and health‑activated income multipliers. The firm also offers alternate engagement models—subscription and Investment Analysis & Allocation (IAAM) services—for clients with smaller investable balances or who need specific, less frequent recommendations.