Nandi Pathefinder & Flourish Financial Group

Flourish Financial Group provides investment management and financial planning primarily to individual and high‑net‑worth clients, offering portfolio construction, asset allocation, security selection, and ongoing monitoring. The brochure notes client accounts are held at custodians such as Charles Schwab and College America/American Funds and that portfolios are reviewed and rebalanced at least quarterly, with the option for specialized portfolio builds or consultancy engagements.

The firm’s investment process blends charting, fundamental, technical, cyclical and “impact analysis,” and implements strategies ranging from long‑term holdings to short sales and options writing; the adviser may accept discretionary authority for some accounts. Financial planning and investment research are provided under separate, negotiated engagements (hourly or flat‑fee), and the advisor documents client profile, risk tolerance and any client‑imposed investment restrictions when tailoring recommendations.

Notable, and less common for a firm of this size, the principal is a licensed insurance agent who may offer commissionable insurance products and other financial product sales, and the brochure discloses referral fees or credits from vendors (including Sterling HSA, BOFI Advisor, RingCentral, FatCow, Amazon, Xero, and Airbnb). The adviser also discloses outside consulting and community‑building activities, an explicit ESG‑oriented proxy‑voting approach, and the use of relatively sophisticated trading techniques — features the brochure flags as potential conflicts or distinguishing practices.