Solidity Financial LLC

Solidity Financial is a fee-only registered investment adviser that provides comprehensive financial planning and discretionary investment management to individuals, families, trusts, estates, foundations and small businesses. The firm manages roughly $73 million on a discretionary basis for about 252 client accounts and addresses planning topics such as cash flow, tax implications, retirement, estate and small-business issues.

The firm’s investment approach combines a cost-conscious, passive strategic core with selective tactical allocations implemented through third‑party managers and mutual funds; portfolios are constructed to manage risk and control expenses while allowing for customization and client-directed restrictions. Solidity Financial typically operates under discretionary authority, uses a major custodian for client assets, and emphasizes minimizing conflicts of interest and transaction costs.

What is distinctive about the firm is its unusually high client count per advisor—more than 200 clients per advisor—which is atypical for peers and suggests reliance on streamlined processes and discretionary implementation. The principal also operates an affiliated tax preparation business and a real estate holding company; the tax firm is a source of cross‑referrals (services are separate and compensated independently), and the owner devotes a material amount of time to that tax activity.