Vector Financial Solutions, Inc.

Vector Financial Solutions serves individuals (including high‑net‑worth clients) as well as corporations, charities, and pension and profit‑sharing plans, providing comprehensive financial planning, ongoing portfolio management, and retirement‑plan consulting. Its financial planning engagements result in a written plan after interviews or questionnaires, and portfolio management is offered on a discretionary or non‑discretionary basis tailored to individual objectives.

The firm constructs client portfolios using modern portfolio theory and a set of model portfolios, with the option to design a unique model for specific needs, and may adopt a defensive approach depending on market conditions; portfolios are monitored and rebalanced as needed and model portfolios receive monthly reviews by the firm’s compliance function. Clients receive written financial plans and at least quarterly custodian statements, and the firm documents client goals and any investment restrictions before implementing strategies.

Compared with many small advisers, Vector’s client mix explicitly includes pension/profit‑sharing plans and other business entities—services that include ERISA non‑fiduciary and discretionary plan support and are less common among peers. The firm participates in an institutional custodian program that provides trading and practice‑support services, discloses that its principal is a licensed insurance agent who may earn commissions on insurance sales, and does not vote client proxies (proxy materials are sent directly from the custodian).