The Financial Team, Inc.

The Financial Team, Inc. provides financial planning, analysis and consulting, and third‑party investment management referral services to individuals, trusts, estates, small businesses, and retirement plans. The firm also offers educational seminars and workshops on an as‑announced basis; seminar content is general and provided free of charge and does not constitute individualized investment advice.

Rather than directly managing client assets, the firm operates primarily as a solicitor and planning adviser: it conducts due diligence on outside managers, helps clients select allocation models, and delivers non‑discretionary guidance while clients sign separate investment management agreements with referred managers. The portfolios recommended by referred managers are typically structured, long‑term, globally diversified allocations implemented with ETFs and institutional no‑load mutual funds, and the firm reported about $112 million in assets under advisement.

Distinctive features include the firm’s reliance on referrals rather than in‑house portfolio management and its receipt of solicitor compensation from some third‑party managers, including situations where those managers use performance‑based fee arrangements and share a portion of client fees with the firm. TFTI’s model also emphasizes continuous personal contact and offers zero‑fee, non‑managed custodial accounts as an accommodation, which differs from peers that more commonly provide direct portfolio management.