Fiscal Dynamics Incorporated

Fiscal Dynamics, Inc. provides financial planning and investment advisory services to individuals (including high‑net‑worth clients), corporations, owners of closely‑held companies, trusts, estates and pension/profit‑sharing plans. Its offerings include comprehensive written financial plans, selection and monitoring of third‑party money managers, discretionary and non‑discretionary portfolio management, and model tactical portfolios, as well as advice on insurance products such as variable life insurance and variable annuities.

The firm typically develops a comprehensive financial plan through in‑depth interviews and then implements investment programs aligned with each client’s objectives, time horizon and risk tolerance. Investment work relies on fundamental analysis and long‑term purchase strategies, along with tactical model portfolios (Aggressive, Growth, Balanced, Conservative) that are rebalanced on a semiannual review in February and September using a 5% allocation trigger; the firm also offers client‑specific tax‑loss harvesting in September/October.

Fiscal Dynamics is affiliated with an insurance agency, Fiscal Dynamics Associates, Inc., and its management personnel are separately licensed as insurance agents, which permits implementation of insurance and annuity transactions for separate compensation; the brochure discloses that these arrangements, together with possible incentive awards and referral fees, create potential conflicts of interest that the firm seeks to manage through disclosure, due diligence and periodic account reviews. The firm also runs a manager selection program and may receive referral or negotiated fees from recommended managers while continuing to monitor manager performance and participate in annual reviews with clients and managers.