The Shield Finance

The Shield Finance provides fee‑only financial education, coaching, and investment advisory services targeted to first responders and their families, including law enforcement officers, firefighters, emergency medical personnel, and other public safety professionals. The firm’s service menu in the brochure includes non‑discretionary investment management, ongoing and project‑based financial planning, a separate SHIELD Financial Coaching program, and Educational Seminars / Speaking Engagements.

Investment management is delivered primarily on a non‑discretionary basis and covers individual securities and pooled vehicles such as stocks, bonds, mutual funds and ETFs, with portfolios built around asset allocation and modern‑portfolio principles. Financial planning is offered both as an annual flat‑fee ongoing engagement with tiered service levels tied to career life stage and as limited‑scope, hourly project work, with planning that addresses pensions, benefits optimization, cash flow, retirement income, and estate basics.

Several features in the brochure are atypical for firms in this peer group: the firm explicitly separates an educational coaching track from its registered advisory services and offers public seminars, it uses both recurring fixed planning fees and hourly billing for project work, and it documents portfolio management for individual clients while not engaging in private‑fund advisory activities. The brochure also discloses $0 in assets under management and a stated account minimum that may be reduced or waived, reflecting an early‑stage practice emphasis on education and tailored planning for a specialized client niche.