Dyer Financial Advisory

Dyer Financial Advisory is a fee-only registered investment adviser that works with individual investors, trusts, estates, charities and small businesses. Services range from single-issue engagements (a “Real Time Planning” session) and hourly financial, life and business planning to ongoing investment supervisory services and implementation.

The firm’s investment approach emphasizes long-term, buy-and-hold portfolio construction guided by Modern Portfolio Theory, with a focus on asset allocation and use of low‑cost index mutual funds and ETFs; it will also recommend individual equities, U.S. government securities, FDIC-insured products and, occasionally, covered‑call strategies. Portfolios are built from client-specific inputs such as time horizon, risk tolerance and goals, and the firm can manage accounts on either a discretionary or non‑discretionary basis, typically formalized in an investment policy statement.

Distinctive elements in the brochure include a regular offering of educational workshops (generally pro bono or sponsor‑paid) and integrated life- and business‑planning/coaching services delivered by practitioners with Registered Life Planner, professional coaching and Kolbe certifications. The advisory is small in scale — managing roughly $22.8 million for a limited client base — and the principal also maintains a separate strategic business‑consulting role outside the firm, which is disclosed as a material outside activity.