Compass Financial Advisors, LLC

Compass Financial Advisors, LLC is an independent, single-advisor registered investment adviser that manages roughly $21 million across about 40 client accounts, serving both individual (non-high-net-worth and high-net-worth) and institutional clients through asset management and separately managed account programs. The firm offers model portfolios as well as customized portfolio management and generally manages accounts on a discretionary basis, with typical account minimums and occasional waivers where noted in the brochure.

Investment selection combines a top-down asset allocation framework with bottom-up, fundamental research to construct and monitor model strategies labeled Growth, Balanced, Conservative and International, and may use mutual funds, ETFs, stocks, bonds and options. Accounts are monitored on an ongoing basis with formal reviews at least quarterly and daily trade oversight for portfolio recommendations, and the firm aggregates household assets for fee calculation.

What is distinctive in the brochure is that the firm’s principal maintains compliance and advisory roles at several other registered investment-adviser entities and has prior compliance experience at securities firms, establishing formal affiliations with other advisers that the document discloses. The firm also maintains an institutional custody and brokerage relationship with Charles Schwab and receives Schwab services and support noted in the brochure—a relationship the firm discusses as a factor in its custody recommendation while describing its due-diligence criteria.