Financial Transparency

Financial Transparency provides ongoing asset management and financial planning to individuals (including high-net-worth clients), retirement plans, businesses, and charitable organizations. Services described in the brochure include discretionary asset management through three programs (a simple onboarding program, managed investment portfolios with passive or active models, and customized managed accounts), individual financial consultations, and pension consulting for plan sponsors.

The firm operates as a fiduciary and says it constructs asset allocations using the assumptions of Modern Portfolio Theory and the Efficient Market Hypothesis, offering both passive index-based models and actively managed strategies with regular rebalancing and quarterly reporting. Its Customized Managed Accounts can include state-specific municipal bonds, sector-focused holdings, socially responsible investing options, tax-loss harvesting, and advisory oversight of client “held-away” retirement accounts via limited online access for allocation changes.

Notable operational and business features disclosed in the brochure include that Financial Transparency is also a registered insurance agency and that some investment advisory representatives are licensed to sell insurance products; the firm also discloses referral arrangements with professionals such as CPAs and attorneys. The firm’s multi-advisor structure, use of national custodians (Axos Clearing and Schwab), and the specific held-away account process that does not store client credentials are additional details the brochure highlights that distinguish its service model from many peers.