Estes Financial Services, Inc.

Estes Financial Services, Inc. provides fee-based investment management and financial planning to individuals (including high‑net‑worth clients), business owners, pension/profit‑sharing plans, and trusts. Its services include discretionary and non‑discretionary portfolio management, co‑advisor and third‑party manager arrangements, financial plan development, account aggregation/document storage, and public seminars and workshops.

The firm applies Modern Portfolio Theory and documents client objectives in an Investment Policy Statement to set asset allocation and risk tolerance, seeking discretionary trading authority for day‑to‑day management while offering non‑discretionary options. It uses third‑party platforms and co‑advisors (including AssetMark, Matson Money, and Plan Confidence), provides illustrative asset‑allocation models, and conducts periodic reviews to monitor alignment with client goals.

Noteworthy for a firm of its size (about $4.8 million in discretionary AUM and roughly 32 clients), Estes discloses and uses hypothetical illustrations and performance information in its materials and through co‑advisor platforms, and it routinely offers educational events (retirement workshops with modest fees and other seminars at no charge). The firm also integrates ancillary services—technology‑facilitated estate‑document preparation, affiliated tax services, and staff credentials in financial planning and divorce finance—and discloses related outside‑business conflicts in its brochure.