Godfrey Financial Associates, Inc.

The firm serves individuals (including high‑net‑worth clients) as well as corporations and other business entities, offering discretionary portfolio management and separate financial planning and consulting engagements. It provides ongoing monitoring and may assist implementation by recommending outside professionals for legal, tax, or insurance needs rather than preparing those documents in‑house.

Portfolios are customized across exchange‑listed securities, mutual funds (including Dimensional Fund Advisors funds), ETFs, corporate and government debt, and certificates of deposit, with both long‑ and short‑term strategies and periodic rebalancing. The firm typically uses a national custodian platform for execution and treats cash as an asset class for allocation and fee calculations, including maintaining defensive cash when deemed prudent.

A notable distinction is that the firm’s representatives also act as licensed insurance agents and may recommend commission‑based insurance products, a practice the firm discloses as a potential conflict of interest and leaves to client choice. The firm’s use of DFA funds (which generally require advisor approval) and its operational practices around cash sweep treatment and custodial fee debits are additional features that may affect implementation and portability compared with many peers.