Focus Financial, LLC

Focus Financial serves individuals, couples, families and related small businesses, trust entities and retirement plans by providing hourly, fee‑only financial education, organization and planning on topics such as cash flow, budgeting, debt management, insurance, college funding, retirement and estate planning. The firm tailors engagements to client needs, does not accept commissions or referral compensation, and does not impose minimum net worth or income requirements.

The firm reviews client investment portfolios and provides asset allocation strategies and investment recommendations, generally favoring no‑load mutual funds, ETFs and a mix of active and passive managers while drawing on both fundamental and technical research. Focus Financial does not implement or exercise ongoing discretionary authority over client accounts; clients are responsible for executing and monitoring recommended trades and custody arrangements, and periodic or annual reviews are provided as requested.

Noteworthy aspects of the practice include the absence of ongoing portfolio management and the use of hourly billing rather than percentage‑of‑AUM fees—features that are less common among independent advisory firms. The practice is led by a long‑tenured CFP‑certificated planner with prior experience in wealth management and socially responsible investing, and it emphasizes coordination with other professionals or referrals when issues fall outside the firm’s scope.