Core Financial

Core Financial serves individual and high-net-worth clients as well as institutional clients such as pension and profit-sharing plans and corporate entities, offering financial planning, consulting, and wrapped-fee asset management. The firm reports about $301.7 million in assets under management across roughly 115 client accounts and provides continuous portfolio supervision alongside standalone planning engagements.

The firm constructs portfolios using exchange-traded funds, mutual funds, individual equities and bonds, structured notes and a range of alternative investments (including private equity, non-traded REITs, commercial real estate and private debt), tailoring allocations to clients’ goals and conducting at least quarterly reviews and rebalancing. Core Financial manages both discretionary and non-discretionary accounts—approximately $113.6 million discretionary and $188.1 million non-discretionary—and operates a wrap-fee program that bundles advisory services and trade execution.

Notably, Core Financial sponsors and recommends affiliated private funds (for example, the Trojan Storage series and Jett Ventures offerings) and has an affiliation with another adviser that manages liquid-alternative mutual funds, arrangements the brochure discloses and addresses through client disclosure, Section 206(3) procedures for principal transactions, and a fee offset for the affiliated mutual funds. The firm also maintains licensed insurance brokerage activity and sells commissionable insurance products while acting as a wrap-fee sponsor and including private placement investments in its AUM and fee calculations—features that create additional potential conflicts of interest relative to many peers and are specifically disclosed in the brochure.