Schlosser Financial Services, Inc.

The firm serves primarily individual clients and also assists small businesses with SIMPLE IRA and Individual 401(k) plans, providing comprehensive financial planning across insurance, investment, tax, retirement and estate topics. Advisory services include portfolio design and implementation through custodial accounts at Charles Schwab, monthly consolidated statements, quarterly reviews and ongoing client communication.

The firm operates on a fully non‑discretionary basis and builds multi‑asset portfolios that favor passively managed ETFs and mutual funds, with individual stocks or bonds added upon client request. It uses Morningstar tools to monitor allocations, rebalances only with client consent, reviews accounts at least quarterly, and may use the 200‑day moving average as a basic tactical signal to suggest shifts between equities and fixed income.

Noteworthy features include managing roughly $108 million across 219 client accounts, a relatively high client count per advisor compared with peers, and a business model that combines fee‑based investment advice with insurance brokerage activities; insurance commissions and certain annuities sold are excluded from AUM. The firm also uses Charles Schwab as its sole broker‑dealer and emphasizes low‑cost ETF implementation while retaining non‑discretionary authority with trades ultimately requiring client approval.