Financial Service Group Inc

Financial Service Group, Inc. serves individual clients across the wealth spectrum, including high-net-worth and non-HNW households, and also accepts entities such as trusts and pension plans. The firm offers ongoing investment supervision and comprehensive financial planning on a fee-only basis, plus ancillary services such as tax preparation and elder-life planning.

FSG implements client portfolios through a mix of fundamental analysis and a tactical asset allocation framework, generally using passive/indexing vehicles (including certain institutional mutual fund lineups) to construct portfolios and acting with discretionary authority to monitor and trade accounts. The firm conducts at least annual reviews of goals and investment objectives, provides ongoing account monitoring and reporting, and indicates it may employ practices such as short selling and margin where appropriate.

Compared with many peers, FSG does not use a standard percentage-of-assets (AUM) fee model and instead bills using a formula-based fee arrangement tied to client financial metrics, and it advertises using client testimonials. The firm also highlights elder-life planning led by a credentialed senior-specialty professional and the option to prepare selected clients’ personal tax returns, features that are less common among similarly sized supported advisors.