Bodnar Financial Advisors, Inc.

Bodnar Financial Advisors provides personalized financial planning and consulting to individuals, small‑business pension and profit‑sharing plans, and trusts, producing individualized Personal Financial Plans prepared by a Certified Financial Planner. The firm focuses on plan creation, implementation guidance, and ongoing account support rather than on managing client investment assets.

Bodnar follows a structured five‑step planning process that addresses cash flow and budgeting, estate planning, investment planning, income tax planning, and risk management and insurance, and it recommends annual reviews to keep plans current. The firm uses third‑party research and planning tools (for example, Advisor Workstation/Morningstar, LPL Research, and Advysis) and leaves execution of investment decisions to clients, with the option to implement recommendations through its representatives’ broker‑dealer relationship with LPL.

Notable distinctions from many peers are that Bodnar does not offer percentage‑of‑assets (AUM) billing and does not provide discretionary portfolio management or custody of client assets, instead charging flat planning and annual support fees and providing advice only. The firm’s advisory representatives allocate roughly half their time to product sales and receive more than 50% of their revenue from commissions and insurance/product sales through LPL, a potential conflict the brochure discloses.