AG Financial

AG Financial provides fee-only investment supervisory and consulting services to individuals (including both high‑net‑worth and non‑HNW clients), businesses, pension and profit‑sharing plans, trusts, estates, and charitable organizations. Services described in the brochure include development of client‑specific strategic asset allocation plans, manager due diligence, investment implementation, ongoing monitoring, rebalancing, and regular performance reporting.

The firm’s investment approach emphasizes broadly diversified portfolios and a systematic strategy guided by individualized Investment Policy Statements that consider risk tolerance, time horizon, tax considerations, and liquidity needs. AG Financial sources and evaluates third‑party managers (including manager site visits and third‑party research), and implements both long‑term and short‑term strategies while accommodating alternative exposures, such as investments in partnerships focused on real estate and oil and gas interests.

A distinguishing feature noted in the brochure is that AG Financial provides portfolio management for pooled vehicles—a service that includes work with pension and profit‑sharing plans (selection of plan investment options, evaluation of Qualified Default Investment Alternatives, and participant education) and oversight of partnership investments. The firm also discloses that its representatives are licensed insurance agents and registered representatives of an independent broker‑dealer, a relationship the brochure identifies as creating potential commission conflicts that the firm says it manages through disclosure and adherence to its fiduciary obligations.