III Financial, LLC

III Financial provides comprehensive wealth management and financial planning to individual and high‑net‑worth clients, as well as trusts and estates. The firm offers discretionary portfolio management, financial planning and estate‑planning support, and also advises on retirement plan accounts it holds in advisory or consultative roles.

The advisor typically builds portfolios using low‑cost, diversified mutual funds and ETFs and may incorporate individual stocks and bonds as needed, applying fundamental analysis with a generally long‑term orientation. The firm documents investment objectives and asset allocation through an investment policy statement, monitors accounts on a continuous basis, and may rebalance or trade to address client needs or market developments.

Several operational features distinguish the firm: it manages approximately $42.8 million in discretionary assets and reports additional assets under advisement for ERISA accounts, while billing clients on a fixed quarterly fee basis billed in arrears rather than a percentage‑of‑AUM schedule. The firm’s principal is a CFP® professional with graduate business training and the practice also performs pro bono planning for a nonprofit widow(er) program and assists clients with estate‑planning coordination, which is notable for a solo independent adviser.