Lathram Financial Group, LLC

Lathram Financial Group provides investment management, financial planning, consulting, and retirement-plan advisory services to individual and high‑net‑worth clients, families, small businesses, trusts, and estates. The firm charges percentage‑of‑AUM advisory fees, generally requires a $100,000 minimum for managed accounts (waivable in certain cases), and offers both discretionary and non‑discretionary portfolio management.

The firm’s investment philosophy emphasizes capital preservation and compounding, adjusting allocations to its view of the prevailing economic regime and using a mix of ETFs across broad asset classes as its primary implementation vehicle, with mutual funds, individual securities, and legacy positions used where appropriate. Investment decisions draw on both fundamental and technical analysis, outside research providers (including EPB Research, 42Macro, and Piper Sandler), and a focus on client behavior and written financial plans as the guiding blueprint.

Distinctive features include a formal legacy‑position management program, the ability to recommend limited margin borrowing for non‑investment needs, and access to alternative and non‑liquid private funds for qualifying clients. The firm also provides retirement‑plan advisory and administrative services that can involve ERISA fiduciary responsibilities, uses Black Diamond for reporting and administrative support, and typically custodies client assets at Charles Schwab while disclosing the benefits and potential conflicts arising from that custodial relationship.