PSC Financial LLC

PSC Financial is a small registered investment adviser with two advisors managing about $135 million for roughly 108 clients, serving individuals (including high-net-worth clients), trusts, estates, charitable organizations, corporations and pension/profit-sharing plans. The firm provides discretionary investment management, comprehensive wealth management, financial planning and retirement plan consulting tailored to each client engagement.

The firm manages all assets on a discretionary basis and constructs portfolios using mutual funds, ETFs, individual equities and debt, REITs, ETNs and, where appropriate, variable annuities or privately placed securities; it also may allocate portions of client portfolios to independent managers. PSC Financial combines fundamental and technical analysis, monitors accounts continuously with at least quarterly reviews, and tailors allocations to clients’ risk tolerance, time horizon and liquidity needs.

Several operational features distinguish PSC Financial from many peers: its supervised persons act in dual capacities as registered representatives of LPL Financial and as licensed insurance agents and may implement commission-based brokerage or insurance transactions alongside advisory services, with fee-offset arrangements for certain ERISA accounts disclosed to clients. The firm’s small two-advisor structure includes CFP designees and principals with legal and accounting credentials, it operates an OSJ relationship with LPL and it commonly advises on or manages “held‑away” assets and insurance‑based products—services that are less common among similarly sized supported advisers.