Griffin Financial

The firm provides financial planning and investment consulting to individuals, trusts, estates, and charitable organizations, focusing on investment recommendations and non-investment topics such as cash flow, estate planning, and divorce-related financial issues. Services are typically initiated with an initial one-hour meeting and then delivered on an hourly or fixed-fee project basis; the firm does not act as a portfolio manager, does not take custody of client assets, and reports no assets under management.

Investment advice is grounded in fundamental analysis and asset-allocation recommendations that may include mutual funds, listed equities, fixed income, annuities, and insurance products, and can range from long-term buy-and-hold positions to shorter-term trades; the firm may propose reallocations, sector or dividend-focused stock selections, or cash positions as hedges. The adviser does not trade client accounts or exercise discretionary authority, so clients implement accepted recommendations through their chosen custodians or, if they elect, through affiliated transactional channels.

What is distinctive is the firm principal’s multiple transactional roles and specialty services: the adviser is also a registered representative of a broker-dealer, a licensed insurance agent (operating under a DBA for insurance), a licensed real estate agent, and offers divorce financial planning, forensic analysis, and mediation services through DBAs. Those overlapping roles mean the firm commonly discloses potential conflicts of interest tied to commissions or referral arrangements, and, compared with many peers, the firm neither provides ongoing portfolio management nor charges percentage-of-AUM fees and generally does not conduct regular account reviews unless requested.