Symphony Financial Services, Inc.

Symphony Financial Services works with a mix of individual clients — including high-net-worth and non-HNW households — as well as trusts, estates, pension and profit sharing plans, and corporate entities. The firm provides asset management, comprehensive portfolio management, standalone financial planning and retirement plan consulting, and also facilitates referrals to third-party money managers.

Investment programs are tailored to client objectives and are continuously monitored and rebalanced; portfolios may include individual stocks, bonds, ETFs, mutual funds, options and private securities, and can be managed on a discretionary or non-discretionary basis. The brochure describes use of multiple analysis methods (fundamental, quantitative, technical and sector analysis), duration constraints in fixed income, and explicit use of derivatives (options) and margin/borrowing as part of its portfolio management toolkit.

Distinctive features in the brochure that set the firm apart from many peers include its dually-registered representatives who may effect commissionable securities transactions through LPL, the explicit incorporation of insurance analysis and variable annuities into its planning services, and a stated practice of referring clients to outside attorneys rather than providing legal services directly. The firm also highlights retirement plan consulting for employer plan sponsors and a willingness to use derivatives and borrowing within managed accounts — practices that are less common among similar team firms.