Chester Financial Services LLC

The firm provides fee-based portfolio management and financial planning to a range of clients, including individuals, trusts, estates, corporations, and retirement plan sponsors. It also offers advisory and consulting services to ERISA-covered retirement, pension, and profit‑sharing plans under both 3(21) and 3(38) engagements.

Investment programs are tailored using a Client Information Form, a client questionnaire, and a created Asset Allocation Model and Investment Policy Statement grounded in Modern Portfolio Theory. The adviser uses a mix of fundamental, technical and cyclical analysis and employs strategies such as strategic and tactical asset allocation, style-based investing, and direct indexing (including tax‑loss harvesting in taxable accounts), and deploys model portfolios available through a third‑party model marketplace.

Compared with many peers, the firm’s documented provision of ERISA 3(21)/3(38) plan services — including QDIA selection and participant education — is an uncommon offering for a small independent adviser. The brochure also discloses that the firm’s principal sells insurance products (receiving separate commissions and spending modest weekly time on that business) and that the adviser uses direct indexing and third‑party model tools, features that may raise additional considerations for plan and individual clients.