Perennial Financial Services

Perennial Investment Advisors provides investment management, financial planning, and retirement plan consulting to a mix of individual (including both non‑HNW and high‑net‑worth) clients, trusts, pensions, and corporate accounts. The firm offers both discretionary portfolio management and standalone planning/consulting services, and participates in sponsor programs and wrap arrangements through third‑party platforms such as SEI, LPL, and Envestnet.

Portfolios are tailored to client goals and risk tolerances, monitored and rebalanced regularly, and may use asset allocation models, mutual funds, ETFs, separately managed accounts, third‑party managers, and both strategic and tactical approaches. The firm has also disclosed the use of AI tools for portfolio analysis, research, client communications, and meeting transcription; AI‑generated outputs are reviewed by human advisors and clients may opt out of recordings.

What distinguishes the firm from many peers is its explicit integration of new technology and operational tools — including an AI disclosure and the use of a third‑party platform (Pontera) to manage “held‑away” retirement plan participant accounts with discretionary rebalancing while avoiding custody. The firm also operates with multiple custodian and program relationships (LPL, Fidelity, Schwab, SEI, Envestnet), and discloses that some representatives are dually registered and licensed for insurance sales with an affiliated insurance entity, with conflicts of interest described and mitigation measures noted; the firm manages roughly $2.5 billion in discretionary assets.