Financial Solutions Associates

Financial Solutions Associates provides discretionary investment management and financial planning primarily to individual and high-net-worth clients, managing about $152.9 million across roughly 174 client accounts and generally requiring a $500,000 minimum for new managed accounts. The firm offers ongoing portfolio management alongside standalone planning engagements, with initial consultations available and planning services provided at no additional cost to clients whose assets are actively managed.

The adviser offers three asset-allocation models—Aggressive, Balanced, and Conservative—and implements portfolios using mutual funds, ETFs, equities, fixed income, and alternative investments, applying fundamental, technical, cyclical analysis and asset-allocation modeling. The firm retains discretion to adjust asset allocations within each model and conducts ongoing account reviews with quarterly performance reporting.

What is uncommon for a firm of this type is the firm’s use of borrowing in separately managed accounts, and its brochure describes related custody and third-party money-movement procedures (including standing letters of instruction) and discusses financial risks such as leverage and liquidity. The combination of discretionary model-based management with documented procedures for third-party transfers and explicit acknowledgement of borrowing-related risks distinguishes the firm from many independent solo practitioners.