Barlow, Paul David

The firm provides discretionary investment management and financial planning to individual clients (including high‑net‑worth individuals), trusts, and small businesses. Advisory services center on model portfolios composed primarily of no‑load mutual funds and ETFs, with standalone or integrated financial planning engagements offered on an hourly or included basis; the firm also provides insurance product recommendations and sales in the principal’s separate capacity as a licensed insurance agent.

Investment advice is grounded in Modern Portfolio Theory and emphasizes long‑term, passively managed, asset‑class diversification implemented through model portfolios and turnkey asset management platforms (TAMPs). Portfolios are monitored continuously and reviewed at least annually, and the firm may retain individual equity positions for tax or client‑requested reasons and may hire third‑party managers to sub‑advise client assets.

Noteworthy characteristics for this practice include its very small scale — roughly $1.65 million in assets under management across five client relationships — and the principal’s dual role as a licensed insurance agent, which the brochure discloses as a potential conflict of interest due to receipt of commissions. The firm typically recommends a specific custodian and TAMP for execution, reporting, and operational support and does not accept proxy‑voting authority, leaving voting decisions to clients.