Black Dog Financial Ltd.

Black Dog Financial Ltd. provides personalized, confidential financial planning and discretionary investment management to individuals, as well as corporate and small business clients. The firm is fee‑based, charging percentage‑of‑AUM management fees and hourly or fixed fees for planning, and it does not sell commission products or act as custodian for client assets.

The firm’s investment approach begins with a top‑down market outlook to identify sectors, followed by screening with technical and fundamental analysis and selection that aligns with each client’s Investment Policy Statement; strategies may include long‑term and short‑term purchases, trading, and options strategies. Financial plans are typically delivered within 90 days, accounts are reviewed at least quarterly, and management fees are billed quarterly in arrears and generally deducted from client custody accounts with client consent.

Although the brochure lists high‑net‑worth individuals among possible client types, the firm’s reported AUM of about $10.7 million across roughly 96 clients and two advisors indicates it primarily serves non‑HNW individual clients, a client mix that is uncommon among supported firms. Other distinguishing details in the brochure include the firm’s explicit policy not to vote client proxies (clients retain that responsibility), the absence of commission‑based product sales, and a noted outside business activity in technical scuba instruction disclosed for one principal.