Three Bearings Fiduciary Advisors, Inc.

Three Bearings Fiduciary Advisors provides personalized financial planning and investment management to individuals (including high-net-worth clients), trusts, estates, charitable organizations, municipalities, and small businesses. The firm operates on a fee‑only basis and integrates related services—such as tax preparation and bookkeeping—into its comprehensive, retainer, nonprofit, and municipal engagement agreements.

Investment strategies are implemented using a strategic asset-allocation, core–satellite approach that relies primarily on passively managed index funds and ETFs while allocating to active managers where judged appropriate; advisors document objectives in Investment Policy Statements and may trade on a discretionary basis under a limited power of attorney. The firm also offers held‑away account services for 401(k) plans, 529s, and variable annuities and delivers periodic portfolio reviews and performance reporting to clients.

Compared with many peers, Three Bearings explicitly serves municipal clients through Municipal Investment Management Agreements that include investment management and bookkeeping (including a fixed-fee option for smaller town and library trust funds). The firm also routinely provides tax-preparation services as part of client engagements, maintains a minority ownership interest in National Advisors Holdings and may recommend National Advisors Trust for trustee services, and issues quarterly portfolio- and security-level performance reports for managed accounts.