Bonfire Financial, LLC

Bonfire Financial, LLC is an investment management firm that provides discretionary portfolio management, financial planning, retirement‑plan advisory (including ERISA 3(21) and 3(38) services), and consulting to individuals, high‑net‑worth clients, small business owners, trusts and employer‑sponsored retirement plans. The firm reports about $234 million in regulatory assets under management and offers ongoing portfolio monitoring, reporting, and rebalancing across mutual funds, ETFs, interval funds, structured notes, private funds and, in some cases, individual securities.

The firm’s stated investment process begins with client profiling and strategic asset allocation, using fundamental analysis to select indexes and institutional managers; Bonfire emphasizes manager people, processes and culture alongside asset allocation and tax‑efficient management. Its brochure also discloses use of alternative strategies and instruments (e.g., interval funds, structured notes and private placements) and notes that the firm may purchase certain traded interval funds and structured notes on a discretionary basis when deemed suitable.

Bonfire’s brochure highlights several features that are less common among peers: an affiliated CPA practice (SETA, LLC) that provides tax preparation and consulting with disclosed credits toward CPA fees for some advisory clients and a $75 referral payment to supervised persons who refer clients to SETA, as well as an affiliated insurance entity (Bonfire Insurance, LLC). The firm also notes use of third‑party platforms (Advyzon for reporting and Pontera for held‑away discretionary implementation) and indicates it employs testimonials and third‑party ratings in its advertising, all of which are noteworthy relative to typical team firms.