Meridian Financial Advisory LLC

Meridian Financial Advisory LLC serves individual investors and provides discretionary portfolio management alongside comprehensive financial planning, typically delivered as a one-time plan with annual updates. The firm also offers non-discretionary ERISA Section 3(21) consulting to qualified retirement plans, including investment-menu recommendations, participant education, trustee oversight, and coordination with plan recordkeepers and administrators.

The firm’s investment approach emphasizes a tactical allocation strategy intended to reduce risk and seek improved performance, using fundamental, technical, and cyclical analysis and generally holding securities for the long term while adjusting allocations as market conditions warrant. Meridian uses a broad set of instruments — exchange-listed and foreign securities (ADRs), corporate and municipal debt, mutual funds, publicly traded REITs, and, at times, private placements or cash positions as hedges — and may recommend specific stocks to adjust sector weightings or dividend potential.

What is atypical for a solo independent advisor of this scale is the firm’s ongoing work with pension/profit-sharing plans and the fact that its investment adviser representatives are also licensed insurance agents who may receive commissions when acting as brokers for insurance products; the brochure discloses this potential conflict and states clients are informed before transactions. Managing roughly $10.2 million in discretionary assets for a small client base, the firm includes financial planning in its management services and discloses use of less liquid or higher‑risk investments (e.g., non-traded REITs and private placements) when appropriate.