Maximum Asset Strategies

This firm is a sole‑practitioner independent adviser that provides financial planning and consulting to individuals, high‑net‑worth clients, and entities such as trusts and estates, and it refers investment assets to third‑party money managers rather than directly managing client portfolios. It offers one‑time and as‑needed consultations as well as impersonal educational seminars on topics such as retirement planning, estate planning, and college planning.

Rather than exercising discretionary portfolio management or custody, the firm assesses client objectives and risk tolerance, prepares written financial plans, and recommends external managers who are responsible for day‑to‑day trading and account monitoring. Advisory compensation is provided through hourly and fixed planning/consulting fees and through solicitation or other payments from third‑party managers, and the adviser’s representatives also operate in separate capacities as registered representatives and insurance agents, which can result in commission and 12b‑1 payments.

Compared with most independent firms, this adviser’s business model is notable for its combination of referral‑based asset management, a primarily non‑discretionary service model, and the advisor’s dual roles as a broker‑dealer representative and licensed insurance agent—arrangements the brochure identifies as potential sources of conflicted incentives. The firm also discloses receipt of solicitor fees and occasional travel or marketing reimbursements and maintains a small, one‑advisor practice focused on advice and referrals rather than in‑house percentage‑of‑AUM portfolio management.