Steven Robert Jakowchik

The firm provides investment advisory and financial planning services to individual and high‑net‑worth clients, managing roughly $29.3 million across 38 client accounts. In addition to fee‑based portfolio management and hourly financial planning, the firm’s representatives are licensed insurance agents and may sell insurance products for commission in addition to charging advisory fees.

Investment management is delivered on a primarily non‑discretionary basis: the firm documents client goals and risk tolerance in an Investment Policy Statement and proposes trades for client approval rather than trading without prior consent. The firm employs a mix of charting, fundamental, technical, and cyclical analysis and uses both long‑ and short‑term strategies, with daily account reviews by the advisor and at least quarterly written performance reports.

What is noteworthy compared with many peers is the combination of a largely non‑discretionary advisory model and active insurance brokerage activity — the firm discloses that insurance commissions are earned separately and that advisors spend more than half their professional time on fee‑based advisory work. The firm also requires clients to use its recommended custodian rather than permitting directed brokerage, maintains a $250,000 account guideline that may be waived, and handles all portfolio management internally as a single‑advisor practice.