Sapphire Financial Strategies, L.L.C.

The firm provides ongoing portfolio management and related advisory services primarily to individual clients, preparing an Investment Policy Statement for each client and managing portfolios that include equities, traded and non‑traded REITs, ETFs (including precious‑metals ETFs), annuities and allocations to third‑party money managers. It reports discretionary assets under management in the range of mid‑teens of millions and serves several dozen individual accounts.

Its investment process is multi‑disciplinary, drawing on charting, fundamental, technical, cyclical and quantitative analysis, Graham‑style value concepts and modern portfolio theory, with a long‑term trading orientation and IPS‑driven asset allocation. The firm typically exercises discretionary authority, may use model allocations, and can place client assets with third‑party managers while requiring clients to custody assets on a specified platform.

Noteworthy distinctions include an affiliation with an insurance business and that the firm’s principal is a licensed insurance agent who offers annuities and other insurance products; those commissionable sales are disclosed as a potential conflict of interest. The firm also requires use of a specific custodian platform (Folio Institutional), does not aggregate trades across multiple client accounts, and discloses small basis‑point payments to selected third‑party managers—practices that are less common among similar independent advisers.