Opulen Financial Group, LLC

Opulen Financial Group is an independent advisory firm that serves individuals, high‑net‑worth clients, and corporations with discretionary and non‑discretionary portfolio management, comprehensive financial planning, and retirement plan services. The firm also conducts public educational seminars and offers participant education for plan clients as part of its service mix.

Investment programs are built from documented investment policy statements and fundamental analysis, and the firm delivers advice through direct management as well as by delegating portions of assets to digital and third‑party platforms (for example, Betterment for Advisors and Schwab Personalized Indexing) while retaining oversight. Clients receive written plans, periodic reviews, and ERISA 3(21) limited‑scope fiduciary services that include IPS development, investment monitoring, and recommendations for plan lineup changes.

Notable features that distinguish this solo adviser include sponsoring a wrap fee program (the firm discloses it is not accepting new wrap clients as of October 1, 2022), an affiliated insurance practice in which the principal spends approximately 10% of time as a licensed insurance agent and receives commission compensation (a disclosed potential conflict), and a specific emphasis on pension consulting and free educational seminars—services that are less common among independent single‑advisor firms. The firm’s principal holds multiple advanced industry credentials and manages a relatively large asset base for a solo practice; the insurance affiliation and wrap program are disclosed and subject to the firm’s conflict‑mitigation procedures.