Scherrer Financial Services

Scherrer Financial Services provides investment management and complementary financial planning primarily for individual clients. Services include portfolio construction using common and preferred stocks, bonds, annuities, and CDs, together with planning advice covering retirement, tax and estate considerations.

The firm follows a bottom-up, buy-and-hold approach: it maintains client-specific watchlists (typically 50–150 stocks), establishes buy prices and sell targets (commonly about 50% above purchase), and may use covered-call writing to capture gains or defer sales into long-term treatment. Asset allocation is guided by age, years to retirement, cash-flow needs and risk tolerance rather than forced rebalancing, with fixed income and annuities used for income and diversification.

This firm is also licensed to sell life and health insurance and operates as an independent insurance agent, commonly recommending and placing annuities and other insurance products and receiving customary commissions; annuity assets are not included when calculating advisory fees. The adviser routinely trades on foreign exchanges through Interactive Brokers to address ADR and F‑stock liquidity concerns, applies client‑specific industry diversification limits (generally one company per industry per client), and conducts weekly monitoring for sell targets.