Bollinger Financial Advisory, Inc.

The firm provides financial planning and general financial consulting to individuals (including high net worth clients) and other entities such as trusts and estates, covering topics such as tax and cash-flow analysis, retirement and estate planning, insurance review, and education funding. Engagements are project-based and typically conclude with a written Financial Plan or consulting report rather than ongoing investment management.

Advice is generally delivered at the fund- or strategy-level rather than through active management of specific securities, drawing on fundamental, technical, cyclical and qualitative analysis and using software-generated net worth and cash-flow reports. The firm does not manage client accounts or take custody of assets and does not monitor investments on a continual basis; clients are free to implement recommendations through any broker, insurance agent, or platform they choose.

What distinguishes this firm from many peers is that it does not provide portfolio management for individual accounts and does not use percentage-of-assets (AUM) fees, relying instead on hourly billing for planning and consulting. The adviser also maintains separate broker-dealer and insurance registrations and discloses that implementing recommendations through those channels — including managed programs offered by the broker-dealer — can result in additional compensation, a conflict the firm explicitly identifies and addresses in its disclosures.