Eaton Financial Group

Eaton Financial Group serves individual clients — including both high-net-worth and non‑high‑net-worth households — and pension plans, offering discretionary and non‑discretionary wealth management, standalone and single‑subject financial planning, and pension consulting under the name 401k Simplified. The firm’s services include ongoing portfolio management as well as written financial plans tailored to clients’ stated goals and circumstances.

The firm manages client assets using model portfolios that emphasize fundamental analysis supplemented by technical analysis and principles of modern portfolio theory, allocating across stocks, bonds, ETFs, mutual funds, REITs, options, variable annuities, and crypto‑linked ETFs where appropriate. Eaton typically manages client accounts on a discretionary basis, uses the cash management options provided by its custodians, and requires clients to use Charles Schwab or Fidelity as custodians rather than permitting directed brokerage.

What is distinctive about the firm is its scale relative to its small advisory team: as of February 28, 2026 Eaton reported about $382.2 million in discretionary assets under management across two advisors and 347 clients, resulting in a relatively large asset base and client load for a two‑advisor practice. The brochure also discloses features that may affect client relationships — including aggregated trading practices, that advisory personnel are licensed insurance agents who may receive separate commissions for insurance sales, and an explicit policy requiring Schwab or Fidelity custody — and the firm’s willingness to include higher‑volatility instruments such as crypto ETFs in appropriate client portfolios.