Financial Security Management, Inc

Financial Security Management, Inc. provides investment management, financial planning, retirement plan advisory and consulting services to individuals, high‑net‑worth clients, estates, trusts and retirement plans, managing roughly $611.5 million in client assets. The firm offers both discretionary and non‑discretionary portfolio management, retirement‑plan consulting and participant education, as well as standalone financial planning and legacy management services.

FSM tailors portfolios to clients’ stated objectives and risk tolerances using asset‑allocation strategies informed by modern portfolio theory, with ongoing monitoring, rebalancing and quarterly reporting; investments include cash, mutual funds, ETFs, equities and fixed income. The firm also works with plan sponsors at both the plan and participant level, and coordinates implementation with third‑party professionals when appropriate, including retirement account rollover recommendations when in clients’ interest.

Several operational arrangements distinguish FSM from many peers: it is a licensed insurance agency whose representatives earn commissions on insurance and annuity sales, it has an ownership interest in a real estate brokerage (Financial Security Realty, LLC), and it provides tax preparation and bookkeeping services—relationships the firm discloses as potential conflicts of interest. FSM also maintains a relatively large client base for a seven‑advisor team (over 1,100 client relationships) and documents procedures around custody, trading and use of custodial and technology providers to manage related conflicts.