Thrift Financial, Inc.

Thrift Financial provides investment management and consulting to both individual and institutional clients, including endowments, foundations, trusts, estates and businesses, through discretionary and non‑discretionary portfolio management and comprehensive financial planning. Consulting services address cash flow and net worth analysis, insurance and employee benefits, income tax and retirement planning, estate planning and implementation support.

The firm’s investment process combines fundamental analysis with Modern Portfolio Theory and uses strategic, tactical and constant‑weighting allocation approaches, periodic rebalancing and a mix of mutual funds, ETFs, equities and fixed income. Thrift also coordinates with third‑party asset managers and uses a third‑party platform to manage held‑away accounts (reviewing and rebalancing those accounts without taking direct custody).

What is distinctive for this firm relative to many independent advisors is its active work with institutional clients and its provision of pension consulting to government, public and private plans, where it advises on the merits and risks of plan investment alternatives while recognizing the plan fiduciary retains selection authority. The firm also undertakes project‑based institutional engagements, assists family‑owned and closely held businesses with retirement plan investments and private‑company reviews, and refers clients to third‑party managers when appropriate.