Boreal Advisors LLC

The firm provides investment management and financial planning primarily for individual clients, offering both discretionary and non‑discretionary portfolio management, financial plans, and consolidated household reporting. It also assists with account administration and servicing tasks such as account openings/transfers, ACH, check writing, and required minimum distribution (RMD) support, and it can manage assets held away.

Investment approach uses a mix of fundamental analysis and modern portfolio theory, with passively managed strategies available alongside long‑ and short‑term positions; accounts are reviewed at least monthly with rebalancing and tax‑loss harvesting considered when appropriate. Boreal documents client goals in investment policy statements, updates them annually, and provides both ongoing asset management and consultative, client‑directed services.

A distinctive feature is that the firm’s principal maintains an affiliated insurance practice and spends a portion of time acting as a licensed insurance agent, a relationship the brochure discloses and which the firm says is mitigated through disclosure and client choice. The firm also delegates proxy voting to clients (providing voting guidance on request) and accepts responsibility for managing both on‑custody and “held‑away” accounts under its monitoring process.