Smarr Financial Services Inc.

Smarr Financial Services, Inc. provides financial planning and investment supervisory services to individuals (including high‑net‑worth clients), trusts and estates, charitable organizations, corporations, and other business entities. The firm reports approximately $45.8 million in assets under management across about 75 client relationships and also offers insurance products including life, disability, long‑term care, group life and health, and fixed annuities.

The firm describes a primary investment approach based on fundamental analysis, combining long‑term buy‑and‑hold strategies with selective short‑term trading and the option for discretionary or non‑discretionary management. Its investment universe spans equities, mutual funds, ETFs, REITs, fixed income, alternatives and option contracts; the brochure discloses the use of options and other derivative strategies in separately managed accounts when appropriate.

Distinctive features noted in the brochure include a past regulatory disclosure — an Order of Conditional Registration that was satisfied in January 2013 — and an affiliation with an insurance agency whereby the firm’s investment representative is a licensed insurance agent who may devote up to 65% of the workweek to insurance sales. The combination of that insurance affiliation (and the potential for insurance commissions in addition to advisory fees) together with documented use of derivatives in managed accounts are the primary conflicts and uncommon characteristics prospective clients should consider.