TEP Financial Solutions LLC

TEP Financial Solutions is a solo registered investment adviser that provides discretionary investment supervisory services and integrated financial planning to individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and corporations, and it offers employer-focused 401(k) programs including a Daily Valuation service and a 401(k) Pilot participant service. The firm also conducts no-cost seminars and workshops intended to educate attendees on direct security and mutual fund investing; these presentations do not provide individualized investment advice.

The firm’s stated investment philosophy emphasizes value-driven, fundamental analysis with a long-term horizon, seeking companies with strong balance sheets, dependable earnings and dividend histories while buying with a margin of safety. Portfolio management is delivered in partnership with an external money manager and may employ limited option strategies such as covered calls and spreads; financial planning is generally provided in connection with investment management at no additional charge.

Noteworthy disclosures in the brochure include ownership ties to an affiliated certified public accounting practice and a separate business consulting entity, with reciprocal referral arrangements disclosed as potential conflicts of interest and procedures described to mitigate them. The firm is newly formed and small in scale—operating as a sole practitioner with limited assets and clients at the time of initial disclosure—and it relies on third-party relationships (a money manager and Fidelity’s institutional services) for custody, trading support and some operational functions.