Tangent Financial

Tangent Financial is a small, state‑registered independent investment adviser that provides fiduciary financial planning and discretionary portfolio management to individuals and high‑net‑worth clients, including retirement plan and rollover advice. The firm offers both project‑based and hourly financial planning engagements as well as ongoing, percentage‑of‑assets portfolio management services.

The firm’s investment approach blends fundamental, technical, and cyclical analysis with Modern Portfolio Theory and active elements such as tactical, dynamic, and core‑and‑satellite allocation, and it emphasizes scenario analysis and stress testing to address tail risk. Portfolios use a broad set of instruments — ETFs, mutual funds, individual equities and fixed income — and may include less common exposures for a small independent adviser, notably options strategies, alternative holdings and digital currencies when considered suitable for a client.

Tangent Financial operates as a solo practitioner managing all client assets on a discretionary basis but at a very small scale (roughly $518,000 in AUM across five clients), a fact that can affect capacity, operational redundancy, and succession planning. The firm’s sole advisor is a CFA charterholder who discloses a substantial outside business commitment in corporate development for a veterinary practice consolidator; the brochure also notes use of a third‑party custodial and technology platform (Altruist) and written policies to address custody, conflicts, personal trading, and business continuity.