Balanced Financial Advisors

Balanced Financial Advisors provides ongoing portfolio management and financial planning for individual and high-net-worth clients. Services include discretionary portfolio management with written Investment Policy Statements and financial planning work intended to address investment, retirement, tax, and college-planning needs.

The firm’s investment approach uses model allocations informed by Modern Portfolio Theory and generally implements portfolios with ETFs and long-term trading; it also may recommend a broad set of investment types, including REITs, annuities, precious‑metal ETFs, non‑U.S. securities, and private placements when appropriate. Accounts are typically managed on a discretionary basis, risk tolerances are documented in each client’s Investment Policy Statement, and clients receive regular custodian statements and quarterly written reports.

Distinctive elements include a mandatory custody relationship with Schwab Institutional and acceptance of research and other services through that custodian, while not aggregating trades for multiple client accounts—practices that can affect trade execution and the allocation of soft‑dollar benefits. The brochure also highlights a focused service niche advising families with disabled adult children and a separate, elevated hourly fee for specialized consulting, an offering that is less common among similarly sized independent advisers.