Financial Counseling, Inc.

Financial Counseling, Inc. serves primarily individual investors — described in its brochure as “main street” households — along with a subset of high‑net‑worth/accredited clients, businesses, trusts and charitable organizations. The firm provides fee‑for‑service financial planning and investment advisory work, including asset allocation, retirement and college planning, employee benefits and qualified plan subaccount analysis, and delivers both ongoing portfolio management and standalone planning engagements.

FCI offers both strategic (long‑term buy‑and‑hold) and tactical asset allocation programs, using computer models and model portfolios to guide reallocations; tactical trading can occur as frequently as weekly or monthly, with typical position changes cited as every 30–150 days. The firm manages approximately $100.1 million in client assets and handles nearly all of that on a discretionary basis, generally favoring mutual funds to limit intraday price execution risk while also using ETFs and, on occasion, leveraged bond funds for liquidity or short‑term needs.

Compared with many peers, the firm is notable for its long operating history and small ownership structure managing roughly 400 client relationships with a single registered adviser, while not imposing account minimums and using a negotiable, pay‑as‑you‑go billing approach. The brochure also discloses the firm’s use of third‑party investment advisers (with a disclosed portion of third‑party fees allocated to the firm for introductions), its adherence to ERISA impartial conduct standards for retirement advice, and a policy of not voting client proxies.