APEX Tax & Financial Planning

The firm provides personalized financial planning and investment advisory services to individuals, business owners, trusts, and other clients. Services include comprehensive planning (net worth, cash flow, retirement, estate, education and tax planning) and investment management delivered on either a discretionary or non-discretionary basis, with the option for standalone planning engagements.

Apex’s process centers on a written Investment Policy Statement, a total-return orientation, and a mix of active and passive strategies with periodic rebalancing, sell-discipline rules, and scenario analysis (including Monte Carlo) to align portfolios with client goals and risk tolerance. Portfolios may include traditional equities and fixed income as well as less-common allocations mentioned in the brochure — such as non-correlated assets, commodity and crypto ETFs, structured notes, and options (including non-covered options upon request) — and planning is explicitly tax-aware.

The firm is distinguished by its affiliation with a separate accounting practice wholly owned by the firm’s principal, which provides tax preparation and accounting services and averaged roughly 150 hours per month in 2024 (about 50 hours overlapping typical trading hours), a dual-practice model that the brochure identifies as a potential conflict of interest. It also discloses a prior relationship with another investment adviser that ended in January 2023 and periodically offers free educational seminars to clients and the community, features that are relatively uncommon among solo independent advisers.