Floyd Financial Group LLC

The firm provides financial planning, discretionary portfolio management, and institutional retirement advisory services to individual and high‑net‑worth clients, preparing written financial plans and then implementing tailored investment strategies. It reports managing about $164.5 million in discretionary assets and generally serves household accounts (the brochure notes a $30,000 account minimum that may be waived).

The adviser emphasizes individualized asset allocation based on clients’ goals and risk tolerance and employs a mix of fundamental, technical, and cyclical analysis to construct portfolios. Portfolios commonly include mutual funds, ETFs, equities, bonds, REITs and master limited partnerships, and clients’ accounts are typically managed on a discretionary basis with custodial relationships (the brochure identifies Schwab as the recommended custodian).

Distinctive features include an unusually high client load per advisor—well over 300 clients per advisor—an uncommon ratio for firms of this size that may reflect a more scaled service model. The firm’s advisory personnel are also licensed insurance agents who may receive separate commissions for selling life and annuity products; the brochure discloses this potential conflict of interest and notes that clients are under no obligation to purchase insurance through the advisers.