Rapport Financial, LLC

Rapport Financial provides personalized comprehensive financial planning and wealth management to individuals, families, trusts, estates, charitable organizations, and retirement and pension plans, with a stated focus on doctors and business owners. Services described in the brochure include discretionary and non‑discretionary investment management, equity‑compensation and employee‑benefits advice, tax and estate coordination, insurance reviews, and access to private alternative investments.

The firm constructs portfolios using a mix of passive and fundamental analysis within a modern‑portfolio framework, generally managing client accounts on a discretionary basis while offering non‑discretionary recommendations for held‑away assets such as 401(k) plans; accounts are monitored and reviewed at least quarterly. For qualified clients, Rapport makes available an Alternative Investment Network and may facilitate investments in private placements after third‑party due diligence, with separate documentation and Accredited Investor requirements.

Several features in the brochure are atypical for a solo independent adviser: the principal is a licensed insurance agent who may receive commission‑based compensation for insurance sales, the firm advises and provides portfolio management to pension/profit‑sharing and other institutional plan clients, and the adviser provides part‑time consulting to other advisors and participates in educational events. Those elements—commissionable insurance activities, institutional plan work, and an explicit private‑investment offering for accredited clients—are highlighted in the firm’s disclosures and are less common among similarly sized independent firms.