Mfac Financial Advisors, Inc.

MFAC Financial Advisors provides investment advice to individuals (including high‑net‑worth clients), pension plans, trusts, estates and corporations through three programs: discretionary asset management, financial planning, and supervisory oversight of separate fixed‑income managers. The firm manages portfolios primarily with indexed mutual funds, exchange‑traded funds and actively managed mutual funds, and offers both one‑time and ongoing planning engagements.

The firm’s process centers on developing an asset‑allocation plan that aligns client objectives, risk tolerance, liquidity needs and time horizon, with a stated emphasis on capital preservation and growth or income; MFAC‑FA generally has discretionary authority to implement and periodically rebalance client portfolios in accordance with approved plans. Recommendations are informed by third‑party research and financial‑planning modeling tools, and the firm provides quarterly reporting and at‑least‑annual reviews.

Notable distinctions include an affiliation with an accounting practice and cross‑referral arrangements between the firms, and a principal who holds CPA and Personal Financial Specialist credentials with over five decades of experience—relationships the brochure discloses can create referral incentives and potential conflicts of interest. The firm manages roughly $74 million for a very small client base and discloses circumstances in which it may be deemed to have custody (for example, fee‑deduction authorization or signatory authority), and it offers supervisory services for separate fixed‑income managers, features that set it apart from many peers.