Jolly, Robin K

The firm works with individuals, high-net-worth individuals, and trusts, offering personalized financial consultations that may cover financial objectives, cash flow, retirement planning, and educational funding. Rather than directly managing client accounts, the firm refers clients to Independent Investment Advisors for discretionary portfolio management and does not custody or report assets under management.

In practice, the adviser functions primarily as a solicitor/referral source: it provides tailored advice and then directs clients to independent advisers (including an arrangement with Morgan Stanley Wealth Management) who execute investment strategies and custody assets. Compensation for the firm comes via a share of the Independent Investment Advisors’ management fees, and investment decisions and account reviews are performed by those third-party advisers.

What is distinctive in this brochure is the combination of roles held by the principal: she is a Certified Public Accountant who provides limited accounting and tax services and also serves as a bank vice president/loan officer, both of which are disclosed as potential conflicts when she recommends other advisers. The firm expressly discloses its fee-sharing referral arrangements, does not directly charge percentage‑of‑AUM fees to clients, and provides clients the option to seek advice from advisors without such conflicts.