Heal Financial LLC

Heal Financial serves individual and high-net-worth clients, as well as pension and profit-sharing plans and trusts, offering discretionary investment management and financial planning. The firm operates as a solo practitioner and manages approximately $20.3 million across roughly 89 client relationships, typically charging asset-based advisory fees.

The firm customizes portfolios through an initial discovery process and a set of four model strategies (Fixed, ETF, Dividend Plus, and a higher‑risk Sports & Entertainment model) and scales allocations between ETFs for smaller accounts and individual securities for larger accounts. Its models (generally 25–40 positions) use both long- and short-term holdings and incorporate covered-call option strategies; the brochure also discloses the use of derivatives and borrowing in separately managed accounts.

Notable for a firm of its size, Heal Financial explicitly works with pension and profit‑sharing plan clients and discloses the potential use of leverage and derivatives in client accounts, which can introduce additional liquidity and counterparty risks. The firm is led by a single portfolio manager, acknowledges key‑man risk and does not carry key‑man insurance, and the manager is also licensed to sell life and health insurance, creating a disclosed conflict of interest when recommending insurance products.