Lupu Financial

Lupu Financial serves individual and high‑net‑worth clients as well as trusts, estates, charitable organizations and business entities, offering discretionary asset management alongside financial planning and consulting. The firm also provides insurance products through an affiliated insurance business and generally bills advisory services on an asset‑based basis while charging planning work on an hourly basis.

The firm’s investment process uses a mix of top‑down macro analysis plus fundamental and technical analysis, and may include options and both short‑ and long‑term positions; accounts are managed on a discretionary basis with at least quarterly reviews. The brochure identifies Charles Schwab and Interactive Brokers as custodial platforms for client accounts and discloses that borrowing/leveraging can be used in separately managed accounts.

Noteworthy distinctions include the principal’s ongoing insurance business, which the brochure reports consumes a meaningful portion of time and results in commission compensation that the firm discloses and seeks to mitigate, and the firm’s work for corporate or other non‑individual clients in addition to individuals. The combination of serving institutional/business clients, trading on platforms that support active strategies, and the disclosed use of borrowing in separately managed accounts are features the brochure highlights as less common among solo independent advisers.