Courter Financial, LLC

The firm provides investment management and comprehensive financial planning to individuals, trusts, foundations, endowments and corporations, and it offers retirement plan consulting and assistance for plan participants. Services are delivered on both discretionary and non‑discretionary bases and include written investment policy statements and implementation support, including referrals to other professionals when appropriate.

Its investment process blends tactical asset allocation and long‑term diversified portfolios with active, sleeve‑style strategies (described in the brochure as Sly Fox, Fair Weather and Gorilla) that use momentum/reversion, seasonal tilts, and value screens. The firm employs trading tools such as options strategies, occasional margin and short sales, and other derivative techniques in certain separately managed active sleeves, and it uses block trading and periodic rebalancing to allocate trades across client accounts.

Notable for a small, single‑adviser firm, it provides retirement‑sponsor and pension consulting for business and charitable plan sponsors in addition to individual wealth management, and the principal is separately licensed to sell insurance products and may receive commissions from those sales — a disclosed potential conflict of interest. The mix of institutional plan work and higher‑turnover, derivatives‑enabled active portfolios alongside sole‑practitioner delivery and access to institutional custodial services is less common among peers of comparable size.