Generations Investment Advisors, LLC

Generations Investment Advisors provides portfolio analysis and advisory services to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations, and businesses. The firm offers a complimentary diagnostic review (cost analysis, historical risk/return simulation, and diversification comparisons) and typically acts as a co‑advisor/solicitor that recommends and facilitates the use of third‑party independent money managers rather than directly managing client portfolios.

The firm’s approach emphasizes manager selection and asset allocation based on Modern Portfolio Theory and efficient‑market principles; Generations assists clients in selecting allocation models, imposing investment restrictions, and conducting periodic reviews while third‑party managers handle trading, rebalancing, and execution (rebalancing is typically quarterly). Generations does not accept investment discretion or custody client assets, and ongoing oversight focuses on maintaining up‑to‑date client goals, constraints, and annual client contact.

Distinctive features disclosed in the brochure include reporting no regulatory assets under management and having advisory compensation collected by third‑party managers instead of the firm directly withdrawing percentage‑of‑AUM fees from client accounts. The firm’s updated brochure also notes a recent change in firm membership, discloses that its managing member is licensed to sell insurance (potential for commission income), and describes potential conflicts such as third‑party managers providing marketing support — each identified and addressed in its disclosures.