Centered Financial

Centered Financial serves individual clients — including high‑net‑worth households — along with pension plans, charities and small business entities, offering discretionary and non‑discretionary investment management, financial planning (ongoing, limited‑scope and project work) and pension consulting. The firm also facilitates referrals to third‑party asset managers and sub‑advisers and charges fees on a percentage‑of‑assets basis while tailoring services to each client’s goals.

The firm combines strategic and tactical asset allocation and applies Modern Portfolio Theory, using both fundamental and technical analysis to construct portfolios. Investment recommendations can include mutual funds and ETFs as well as individual equities, municipal and corporate debt, REITs, options and insurance‑based products such as variable annuities and variable life subaccounts; the firm monitors accounts at least quarterly and may allocate assets to sub‑advisers or third‑party managers.

A noteworthy feature is the firm’s insurance and broker‑dealer affiliations: principals and related persons are appointed as insurance agents and registered with a broker‑dealer and may receive commissions for insurance and brokerage products, which is less common among similarly sized supported firms and can create additional conflicts of interest. The firm’s use of referral and sub‑advisory arrangements and external provider support for non‑discretionary allocations expands client access to outside managers but also introduces multiple compensation relationships clients should consider.