Forward Financial Advisors, LLC

Forward Financial Advisors, LLC serves individual and high-net-worth clients and manages about $22.9 million across roughly 40 client relationships. The firm provides ongoing portfolio management and financial planning on a percentage-of-AUM basis, advising primarily in mutual funds, fixed income, equities, ETFs (including gold and precious metal ETFs), and insurance products such as annuities.

The adviser documents client goals and risk tolerance in an Investment Policy Statement, applies fundamental analysis and modern portfolio theory, and generally pursues long-term trading strategies with discretionary implementation and monthly account reviews. Although the firm’s stated approach is long-term, the brochure explicitly discusses ETF trading risks and the challenges of market timing, an emphasis not commonly highlighted by solo independent advisers.

The firm’s principal is also a licensed insurance agent and operates an affiliated insurance business that offers annuities and other insurance products through broker‑dealer arrangements and multiple national carriers, with those activities disclosed as sources of commission-based compensation. The brochure further discloses that the principal devotes specified monthly hours to insurance-related activities, making the combination of an independent advisory practice with an affiliated insurance brokerage and explicit time‑use disclosures a distinctive feature relative to many peers.