Masus Financial Group, Ltd.

Masus Financial Group, Ltd. is an SEC‑registered investment adviser managing approximately $190.6 million for about 296 clients, serving individuals (including high‑net‑worth clients), trusts, estates and businesses. The firm provides comprehensive wealth management services that combine discretionary and non‑discretionary investment management, financial planning, and retirement plan advisory services (including ERISA 3(21) investment oversight), and it discloses sponsorship of a wrap fee program in Appendix 1 of its brochure.

The firm’s investment approach is primarily long‑term while accommodating shorter‑term trades for rebalancing or changing market conditions, and it uses a mix of fundamental, technical, cyclical, behavioral and charting analyses to build diversified portfolios of mutual funds, individual equities, independent managers and REITs. Portfolios are customized to clients’ objectives, risk tolerance and tax considerations, are monitored on a continuous basis with formal reviews at least annually, and clients may place reasonable restrictions on holdings subject to advisor acceptance.

A distinguishing feature is that Masus sponsors and serves as portfolio manager for its own wrap fee program, bundling normal transaction costs into a single asset‑based advisory fee — a practice that is uncommon among supported firms. The firm operates as a small two‑adviser team with an institutional relationship with LPL Financial that supplies custody, trading and operational support; advisory personnel are also registered with LPL and licensed for insurance activities, conflicts the firm discloses and addresses through written policies and fiduciary procedures.