AL Locy Financial Services LLC

Al Locy Financial Services LLC provides discretionary asset management and portfolio management services to individuals, high‑net‑worth clients, families, trusts, estates and charitable institutions, documenting client goals and tailoring investment strategies to stated objectives. The firm allows clients to impose written investment restrictions and does not impose a formal account minimum.

The firm’s investment process emphasizes fundamental analysis and customized asset allocation based on each client’s objectives, risk tolerance and time horizon, with periodic reviews that include rebalancing and consideration of tax‑loss harvesting. Portfolios are managed under discretionary authority and reviewed regularly to address changes in market conditions or client circumstances.

Noteworthy aspects include that advisory representatives receive external compensation from the sale of insurance and other financial products, and the principal also provides tax‑preparation services in an outside business (approximately 5% of his time); the brochure discloses these as potential conflicts of interest that the firm says it mitigates through disclosure and fiduciary procedures. The firm manages approximately $21.5 million for about 110 client relationships, and its client mix—including trusts and charitable entities—differs from many peers that primarily serve non‑HNW individual retail clients.