FG&G Financial Services, LLC

The firm provides discretionary investment management for individuals, qualified retirement plans, trusts, charitable organizations, corporations and small businesses, and also offers employee benefit plan consulting and participant education. It prepares written investment policy statements and conducts periodic reviews and reporting for client accounts.

The firm’s investment approach is grounded in Modern Portfolio Theory and a long‑term, asset‑class (passive) philosophy, typically implementing diversified portfolios with Dimensional Fund Advisors mutual funds and selective ETFs, while retaining individual securities in limited tax or personal‑preference situations. It uses portfolio modeling and Monte Carlo analysis to set asset allocation, and routinely engages a third‑party manager and a supported provider for fixed‑income management and back‑office functions.

Notably, the firm’s owners also operate an affiliated accounting practice and the brochure discloses the potential for mutual referrals (while stating clients are not required to use the accounting firm), a structure that is uncommon among similar supported firms. The firm is small in scale—two advisors, roughly $15.5 million in discretionary AUM and about 15 client relationships—and relies on an external platform and manager relationships to provide trading, custody and fixed‑income services.