Financial Growth Management, Inc.

Financial Growth Management serves individuals, high‑net‑worth individuals, charitable organizations and businesses with discretionary investment management and financial planning, and it occasionally offers educational seminars and workshops. The firm operates as a single‑advisor practice overseeing roughly $12 million in client assets across a small client base and constructs individualized investment policy statements to guide portfolio implementation.

The firm combines passive allocations using index mutual funds and ETFs with active management techniques and a proprietary mathematical algorithm that shifts exposure — for example, allocating to high‑yield bond funds during rising trends and to money‑market funds during downtrends. Accounts are managed on a discretionary basis with ongoing monitoring, written or electronic financial plans, and at least annual reviews to assess suitability and implement updates.

Noteworthy aspects disclosed in the brochure include the principal’s extensive academic and professional background (including advanced graduate and divinity degrees) and a concurrent advisory role at another registered investment adviser, both of which are explicitly disclosed. The firm also discloses the use of solicitor referral arrangements, relationships with mainstream custodians, and a policy of not accepting third‑party sales compensation or performance‑based fees, all of which distinguish its operating and client‑onboarding practices from many larger peers.