Select Financial Services Group, Inc.

Select Financial Services Group, Inc. is a single-advisor independent firm that provides comprehensive financial planning to a range of clients, including retail and high‑net‑worth individuals as well as trusts, estates, charitable organizations and business entities. Its planning services cover areas such as budgeting and cash‑flow analysis, income‑tax and retirement planning, estate and business planning, investment analysis, education planning and risk analysis.

The firm’s work is planning‑focused: it develops written financial plans after an initial assessment, meets with clients to present the plan, and offers optional annual updates, charging fixed or hourly planning fees rather than a percentage‑of‑assets fee. Select uses fundamental and technical analysis and third‑party research to inform recommendations, but it does not manage client accounts, exercise trading discretion, or hold custody of client assets; implementation is typically handled through the advisor’s role with an affiliated broker–dealer/adviser.

Distinctive aspects disclosed in the brochure include a formal affiliation with Commonwealth Financial Network (an SEC‑registered adviser and broker–dealer) and operational reliance on that platform and its clearing firms for transaction execution and custody, which concentrates much of the advisor’s activity in securities implementation and creates disclosed conflicts of interest. Compared with most independent peers, the firm does not provide portfolio management for individuals or charge percentage‑of‑AUM advisory fees, and it maintains a very small, primarily planning‑centric client roster unless clients elect implementation through the affiliated channels.