Twenty-First Century Financial Advisors Inc

Twenty-First Century Financial Advisors provides investment management and financial planning to individuals (including high-net-worth clients), pension and profit-sharing plans, trusts, estates, charitable organizations, corporations and other business entities. The firm operates as a fee-only, state-registered investment adviser and typically implements client portfolios through mutual funds and exchange-traded funds.

The firm’s stated investment approach emphasizes asset allocation as the primary driver of portfolio outcomes and focuses on selecting mutual funds and ETFs that target specific segments of each asset class; portfolios are reviewed monthly and rebalanced back to target weightings, with permitted tactical deviations when market conditions warrant. According to its disclosure brochure, accounts are managed on a discretionary basis and the firm uses fundamental analysis and may employ strategies that include long-term holdings and option writing.

Distinctive features relative to many peers include a substantial level of assets managed by a single-advisor practice with a small client roster, implying relatively large average account sizes. The brochure also discloses that the firm does not vote client proxies (clients retain that responsibility) and recommends Schwab Institutional while receiving custodial services and related economic benefits, which it discloses could influence brokerage selection.