Birmingham, AL Office

11 Financial provides ongoing portfolio management and financial planning to individuals, high‑net‑worth clients, and corporations, offering both discretionary and non‑discretionary services and the option to engage sub‑advisers. The firm also offers hourly and fixed‑fee planning arrangements, free educational seminars, and states it has no account minimum requirement.

The firm’s investment approach combines fundamental analysis, technical analysis, and modern portfolio theory to tailor asset allocation, investment strategy, and risk tolerance to each client, with account reviews at least quarterly. 11 Financial requests discretionary trading authority for many accounts and discloses the use of active strategies, including long‑term and short‑term trading, short sales, margin, and options, and highlights the material risks associated with those techniques.

Noteworthy distinctions include the firm’s recent transition from SEC to state registration and disclosure of a 2025 consent order in Alabama resolving a notice‑filing deficiency with a $3,443 fine. The brochure also highlights that 11 Financial recommends Betterment as a sub‑adviser and that program fees combine Betterment’s platform fee with an additional advisory fee to the firm, discloses potential personal trading by representatives and receipt of soft‑dollar research, and operates under multiple DBAs including a physician‑planning brand and other outside business affiliations of management.