3:23 Financial Services LLC

3:23 Financial Services is a small independent advisory firm that serves individuals, high‑net‑worth individuals, trusts and estates, managing roughly $1.5 million for about 18 client relationships. The firm delivers ongoing financial planning through a quarterly subscription model and, when elected by clients, provides discretionary portfolio management and investment due diligence on alternative assets.

The firm’s investment work draws on fundamental and cyclical analysis and is implemented to reflect each client’s documented goals, time horizon and risk tolerance; accounts are reviewed at least quarterly and plans are updated as needed. Clients authorize discretionary trading when agreed, may impose written restrictions, and custodial account statements are delivered directly to clients while the firm manages accounts separately rather than aggregating trades.

A notably uncommon feature is the firm’s fee model: it does not rely on percentage‑of‑assets‑under‑management fees and instead uses subscription billing and separate fees for advisory work and due diligence. The firm’s principal also maintains a part‑time analyst role at another investment firm and may refer clients there for alternative investments without receiving referral compensation; the adviser reports no external sales compensation and does not vote client proxies.