Bartley Financial Advisors, LLC

Bartley Financial Advisors provides personalized financial planning and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations and small businesses. The firm operates as a fee‑only adviser and delivers planning services (cash flow, tax, insurance review, education and estate planning) and asset management without selling commissioned financial products.

The firm’s investment approach blends strategic and tactical asset allocation, using value and momentum methods alongside passive index/ETF core holdings and selectively deployed actively managed funds, individual securities and options. Bartley uses fundamental, technical and cyclical analysis and runs actively managed tactical models that can involve more frequent trading, defensive reallocations and, in some strategies, leverage or specialized exposures; it may also hire third‑party managers for specific mandates.

A distinctive feature of the firm is its custody-related practices: Bartley may be given access to client accounts through client logins or standing letters of authorization and has adopted specific procedures (including dual‑authentication controls and an annual surprise verification) to address the regulatory custody implications. The firm also maintains a formal succession agreement, offers an electronic client portal for reporting, and typically bundles reporting for accounts at the same address unless clients request otherwise.