Financial Advisory Services

Financial Advisory Services provides discretionary portfolio management, financial planning, and performance‑based account management to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, and corporate/business entities. It advises across mutual funds, equities, fixed income, ETFs, real estate/REITs and insurance products, and may manage pooled accounts such as retirement plans and similar collective arrangements.

The firm’s investment approach emphasizes fundamental analysis and a mix of long‑ and short‑term trading, with discretionary authority used to implement strategies aligned to each client’s goals, time horizon, and risk tolerance. Financial planning is offered on an as‑needed or comprehensive hourly basis, and the firm runs both standard AUM accounts and performance‑based fee arrangements (10% on accounts up to $3 million; 8% on amounts above) with annual reconciliation and stated procedures to address related conflicts.

Distinctive features in the brochure include serving pension/profit‑sharing and corporate clients and offering performance‑based fees alongside advisory AUM, which are less common among independent peers; the principal is also a licensed insurance agent who may recommend commissionable insurance products, a source of disclosed conflict of interest. The adviser reports substantial discretionary assets under management ($154,000,000 as of 03/27/2025), uses Schwab Institutional as custodian, and discloses proxy voting and custody practices and a written Code of Ethics to address governance and client protections.