OnPoint Financial Management LLC

OnPoint Financial Management LLC is a single‑advisor independent registered investment adviser serving individual clients, including high‑net‑worth individuals, with ongoing portfolio management and financial planning; the brochure reports roughly $510,200 in assets under management across about 62 client relationships. The firm advises on mutual funds, equities, fixed income, ETFs and insurance products (including annuities), and offers both discretionary and non‑discretionary portfolio management.

The firm documents client goals and constraints in an Investment Policy Statement and tailors model allocations and recommendations to each client’s risk tolerance and time horizon, employing both fundamental and technical analysis and a mix of long‑ and short‑term trading. It recommends Charles Schwab Institutional for custody, participates in Schwab’s institutional advisor program, and discloses receipt of research and other services that could constitute soft‑dollar benefits.

Noteworthy distinctions include multiple disclosure events: the firm is currently named in a pending civil action in Virginia alleging unsuitable recommendations and inadequate disclosures related to insurance‑based products, and it previously settled a regulatory action with the Virginia State Corporation Commission that required hiring an independent compliance firm and paying a penalty. The firm’s principal is a licensed insurance agent and the brochure also details material outside business activities (a restaurant, a lounge, and a real‑estate investing entity) that the firm identifies as potential sources of conflicts of interest when insurance products or other recommendations are made.