Binnacle Financial Group LLC

Binnacle Financial Group LLC is a fee-only independent registered investment adviser that provides investment management, wealth management, and project-based financial planning to individuals (including high-net-worth clients), trusts, and charitable organizations. The firm reports managing roughly $19 million in client assets and uses percentage-of-AUM billing and third‑party custodial arrangements typical of independent advisers.

The firm develops individualized investment policies and combines asset-allocation and modern portfolio theory with both passive and active fund selection, using fundamental, technical, cyclical, and charting analysis to inform decisions. Accounts may be managed on a discretionary or non‑discretionary basis, with portfolios focused on stocks, bonds, mutual funds, ETFs, U.S. government and municipal securities, and cash equivalents while permitting short-term trades when appropriate.

What stands out in the brochure is the unusually small client base — three clients — relative to the firm’s assets under management and a formal $1,000,000 account minimum (waivable on a case-by-case basis), indicating a focus on a few larger, bespoke relationships rather than mass retail clientele. The disclosure also notes the firm receives research and support services from a custodian provider (a potential conflict disclosed in the brochure) and that the firm’s principal has prior trust-consulting experience and advanced legal training, which may shape the firm’s approach to estate and trust planning.