Constant Guidance Financial, LLC

Constant Guidance Financial provides wealth management, investment advisory, and retirement-plan consulting to individuals, trusts, estates, charitable organizations, corporations, and plan sponsors. In addition to individualized financial planning and discretionary portfolio management, the firm offers 401(k) consulting and a Corporate Treasury Management service that constructs U.S. Treasury ladders and manages short-duration cash and money market allocations for business entities.

The firm pursues an active management approach that combines top-down macroeconomic analysis with bottom-up security selection across individual equities, ETFs, fixed income, closed-end funds and mutual funds. It routinely uses option strategies—primarily covered call writing—along with cash positions and systematic rebalancing, and supplements research and trade evaluation with AI-assisted tools subject to human oversight.

What is distinctive about the firm is its scale and client mix for a small independent adviser: it reports managing relationships with more than 200 clients while also serving corporate and plan-sponsor clients, a combination that is uncommon among peers. The integration of a formal corporate treasury offering, an explicit covered-call program (with discretionary authority to write calls and a published explanation of related risks), and a documented proxy voting policy for individual equity holdings further differentiates the firm from typical independent advisors focused solely on individual portfolio management.