Collaborative Financial Solutions LLC

Collaborative Financial Solutions advises individual clients (both non‑high net worth and high net worth) as well as small businesses, offering discretionary portfolio management and standalone or single‑subject financial planning. The firm reports managing about $14 million across a modest client base and provides guidance on equities, mutual funds, ETFs, money market funds and municipal securities, including use of model portfolios for different risk tolerances.

The firm customizes investment advice to client objectives and typically manages accounts on a discretionary basis, employing model portfolios and a mix of technical and fundamental analysis within a modern‑portfolio framework; clients may impose written restrictions, though model accounts limit control over specific holdings. Financial planning is available on a fixed‑fee or hourly basis, and in certain negotiated situations comprehensive planning is included at no additional cost for portfolio management clients.

A distinctive feature disclosed in the brochure is that advisory personnel are also licensed insurance agents who may earn separate commission income from insurance product sales, a practice the firm identifies as a potential conflict of interest. The firm also serves small businesses and discusses IRA rollover recommendations to accounts it would manage—both practices the brochure flags for clients to consider alongside its fiduciary disclosures.