Liberated Investor Advisors, LLC

Liberated Investor Advisors serves primarily individual and high-net-worth clients, providing discretionary portfolio management and financial planning while also acting as a solicitor for third‑party money managers and independent advisory firms. The firm bills for portfolio management on an asset‑based basis and provides ongoing monitoring with account statements delivered by the qualified custodians.

The firm’s investment approach relies heavily on model portfolios and the use of sub‑advisers or third‑party money managers, with allocations across ETFs, mutual funds, and individual securities and the potential use of strategies such as long‑term holdings, option writing, and margin where appropriate. It typically requires discretionary authority to implement model allocations, does not accept client restrictions on specific holdings within its models, and reviews third‑party managers for alignment with client objectives.

Noteworthy for a firm of its size, the advisory personnel are also licensed insurance agents and operate an affiliated insurance agency, and they may sell insurance products for separate, commission‑based compensation, which creates a potential conflict of interest with advisory recommendations. The firm also receives solicitor and marketing compensation from recommended third‑party managers and combines a small advisory practice (two advisors and roughly $9 million in AUM) with these dual insurance and referral activities, a mix that is less common among peers.