Ladin Financial Group, Inc.

The firm provides personalized, fee-based financial planning and investment advisory services to individuals, pension and profit‑sharing plans, trusts, estates, and charitable organizations. Services are delivered either directly by the firm or through recommended outside managers, and insurance products are offered separately through an affiliated insurance agency.

Its investment approach is grounded in modern portfolio theory and seeks globally diversified portfolios; the firm frequently delegates security selection and trading to outside managers while retaining oversight and can manage accounts on either a discretionary or non‑discretionary basis. Financial planning is offered on hourly or fixed‑fee terms with plans typically completed within a defined timeframe, and the firm reports both internally managed discretionary assets and additional non‑management advisory assets.

Noteworthy distinctions include the disclosed affiliation with an insurance business—its principal is a licensed insurance agent who spends a substantial portion of time on that activity and may receive commissions for insurance sales, a potential conflict of interest the brochure addresses. The firm’s client mix also includes pension and profit‑sharing plans (a less common client type for independent solo advisers), it relies regularly on third‑party managers for implementation, and it generally does not vote client proxies.