Grace Financial Advisors LLC

With approximately $32.7 million in client assets under management, the firm provides financial planning, portfolio management, retirement-plan advice and business consultation to individuals (including high-net-worth clients), small businesses, foundations and charitable organizations. It also offers periodic educational workshops and integrates topics such as cash flow, tax planning, estate considerations and employee benefits into client engagements.

The firm’s investment approach emphasizes fundamental analysis and strategic asset management with a focus on long-term growth, income and capital preservation, using a mix of active and passive strategies across mutual funds, ETFs, individual equities, fixed income, REITs and MLPs. It develops written investment guidelines tailored to each client, typically manages accounts on a discretionary basis, and conducts periodic reviews to align allocations with time horizon, risk tolerance and tax considerations.

Notable distinctions include that the firm’s principal is licensed as an insurance agent and may recommend annuities or other insurance products for which commissions and renewal payments may be received; the brochure states such capacities and potential conflicts will be disclosed in advance. The firm also highlights its use of a preferred custodian that provides operational and technology support to the adviser and offers complimentary, education-only workshops—elements the firm discloses and monitors as potential sources of conflict.