Expand Financial, LLC

Expand Financial advises individuals (including high‑net‑worth clients) as well as institutional clients such as employer‑sponsored retirement plans, foundations, trusts, and charitable organizations. The firm provides discretionary and non‑discretionary portfolio management, holistic financial planning, retirement‑plan fiduciary services (including 3(38) investment manager arrangements), and consulting.

Investment decisions are driven by a top‑down macro‑environmental process that emphasizes tactical asset allocation, sector rotation, and a relative growth/value framework, implemented with equities, ETFs and institutional mutual fund share classes and, where appropriate, third‑party sub‑advisors. Portfolios are managed under written investment plans and the firm combines ongoing discretionary trade execution with coordination among clients’ other advisors and technology‑assisted monitoring (including a relationship with EQIS for platform and sub‑advisory services).

Noteworthy aspects disclosed in the brochure include a large SEC‑reported asset base (about $2.77 billion) overseen by a relatively small advisory team of six and a business model that integrates retirement plan services with affiliated administrative and technology firms (July Business Services, Summit Benefits Insurance, and Expand Revenue Management). The firm discloses revenue‑sharing and referral arrangements arising from those affiliations and describes policies intended to mitigate related conflicts of interest when recommending affiliated services or insurance products.