Farrell Financial

Farrell Financial provides fee-based investment advisory services and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities, serving both non-high-net-worth and high-net-worth clients. The firm manages client portfolios on a discretionary basis and includes planning and non-investment recommendations as part of its services without charging a separate financial planning fee.

The adviser employs a tactical allocation strategy grounded in fundamental analysis and implements both long- and short-term trades, including specific stock recommendations, sector tilts, dividend-focused positions, and use of cash as a hedge to manage downside risk. Farrell Financial also manages held-away retirement plan participant accounts via a third‑party platform, reviewing available options, rebalancing, and applying its strategies to those accounts where clients connect them to the platform.

Noteworthy features include operating with roughly $200 million in discretionary assets while maintaining a very small advisory team and no stated account minimum, and a billing practice for held-away assets that assigns advisory fees to clients’ taxable accounts (or bills directly) while the firm covers third‑party platform access costs rather than passing those fees to clients. The brochure also discloses that the firm’s principal is licensed to sell insurance and may receive commissions for insurance sales, a potential conflict of interest the firm states and addresses in its disclosures.