Virtus Financial Group

The firm advises individuals, high-net-worth individuals, families, trusts and estates, providing fee-based investment management, financial planning, and referrals or coordinated services for tax and insurance matters. It charges percentage-of-assets advisory fees and, unlike many peers, manages the majority of its client assets on a non-discretionary basis, meaning clients typically must approve trades before execution.

Investment programs are built around client-specific objectives ranging from income and capital preservation to aggressive growth and are implemented primarily with mutual funds, ETFs and limited individual securities through third‑party asset management platforms (TAMPs). The firm emphasizes ongoing supervision and periodic rebalancing, and its non‑discretionary model places greater emphasis on client involvement in trade decisions.

What distinguishes the firm from many team advisers is the integration of affiliated tax and planning services and the presence of a CPA on the firm’s leadership who offers tax planning and preparation alongside investment advice, enabling coordinated tax-investment planning. The firm also uses TAMP arrangements in which platform fees decline as more client assets are placed on the platform, an arrangement the brochure discloses as a potential incentive to consolidate assets.