Confluence Financial Partners

Confluence Financial Partners serves a mix of individual and institutional clients, including high‑net‑worth individuals, professionals, business owners, corporate executives, and retirement plan sponsors. The firm offers holistic wealth management and financial planning, discretionary and non‑discretionary investment management (Separately Managed Accounts and the Compass model), retirement plan consulting under ERISA, and insurance services through an affiliate.

The firm describes a fiduciary, goals‑based process that builds individualized portfolios and emphasizes long‑term asset allocation, periodic rebalancing, and both active and passive strategies. Confluence runs proprietary and managed stock strategies overseen by an Investment Advisory Committee, uses third‑party managers where appropriate, and documents client objectives, risk tolerance, and guidelines to tailor implementation and reviews accounts at least quarterly.

Notable features in the ADV that distinguish Confluence from many peers include its detailed retirement plan consulting offerings (including the Pathways employer program) and its work with institutional/business clients, which can extend to public plan sponsors; the brochure also discusses engagement with third‑party managers and the evaluation of investment companies. The filing further discloses use of AI tools for real‑time notetaking and vendor due diligence, and notes advertising practices that include hypothetical performance presentations and client testimonials, as well as marketing support relationships with custodians.