Golden Years Financial Advisors, Inc.

The firm provides financial planning and investment consulting primarily to individual and high-net-worth clients, covering retirement, estate, insurance, tax, cash-flow and legacy issues. It does not directly manage client assets; instead it places and monitors client accounts through SEC‑registered third‑party money managers and acts as a liaison between clients and those managers.

Portfolio oversight and recommendations are implemented through documented Investment Policy Statements and coordination with the selected third‑party managers; the firm conducts periodic (quarterly) reviews, uses fundamental and technical analysis in its recommendations, and delivers financial plans on a fixed‑fee or hourly basis within an expected timeline. Clients receive custodial account statements directly from custodians and the firm reviews third‑party manager reports rather than executing trades itself.

What is distinctive in the brochure is the firm’s disclosure of affiliated business activities and referral/ownership relationships: the owner operates affiliated insurance businesses and may receive insurance commissions, and the firm discloses referral fees and minority‑ownership ties in the ownership chain of a recommended third‑party manager. The brochure also documents recent material changes (including a shift away from direct asset management) and names the firm’s chief compliance officer as responsible for supervision — disclosures and arrangements that the firm identifies as potential conflicts of interest and says are mitigated by disclosure and its fiduciary obligations.