Craig Duvarney, Cfp

The firm is an SEC‑registered, single‑adviser practice that primarily serves high‑net‑worth individuals and families and also provides retirement plan consulting to plan sponsors and fiduciaries. Its services include written financial planning, an Advisor Managed Portfolios asset‑management program (custodied through Pershing), and implementation support for recommended strategies.

For portfolio management the firm builds customized allocations drawn from a set of 15 model portfolios and typically implements long‑term positions, primarily using actively managed mutual funds with ETFs, stocks, bonds, and cash equivalents as appropriate. Clients may grant discretionary authority (commonly used for annual rebalancing), accounts are reviewed at least quarterly, and the firm uses NaviPlan to prepare written financial plans and retirement analyses.

The brochure discloses several features that distinguish the firm from many peers: the adviser also acts as a registered representative of a broker‑dealer and as a licensed insurance agent and may receive commissions or 12b‑1 fees in commission‑based transactions while maintaining separate fee‑based advisory services. The firm also manages a comparatively large amount of assets for a single‑adviser practice (about $368 million), discloses assistance with Securities‑Backed Lines of Credit, and reports a $1.1 million promissory note and special compensation agreement with its broker‑dealer tied to continued affiliation—items the firm identifies as potential conflicts it discloses and seeks to manage.