BRG Financial, LLC

BRG Financial, LLC is a small independent advisory firm that serves individual clients and retirement plans, including 401(k), pension and profit‑sharing plans, through discretionary asset management and ERISA plan services. The firm also provides supplemental financial guidance on tax‑efficient investing, budgeting, insurance, inheritances and college planning, though it does not produce a formal written financial plan as part of that guidance.

The adviser uses a mix of analytical methods—fundamental, technical, charting, cyclical analysis and Modern Portfolio Theory—to build and monitor portfolios, with periodic reviews (at least quarterly) and attention to rebalancing and tax‑loss harvesting. For certain retirement plan mandates BRG may engage sub‑advisors (the brochure cites Betterment) and recommends custodians (the brochure names Altruist) while retaining discretionary authority to hire or terminate sub‑advisors.

What distinguishes BRG from many peers is its combination of a solo practitioner model with specialized ERISA services: it explicitly offers both limited‑scope 3(21) advisory and full 3(38) investment manager roles for qualified retirement plans—an offering that is statistically uncommon among independent firms—while managing roughly $5.96 million in client assets for about 22 clients and maintaining a CFA charterholder as its principal. The firm documents client objectives and allows client‑imposed investment restrictions, and it discloses that proxy voting remains the client’s responsibility unless assistance is requested.