Jacksonville, FL Atlantic Blvd. Office

49 Financial serves a broad client base including individual and high‑net‑worth clients, trusts, estates, corporations, and retirement plans, offering financial planning, investment management, consulting, retirement‑plan consulting, and tiered fractional family office services. The firm operates as a multi‑team adviser managing roughly $1.4 billion with a large advisory staff and provides both project‑based and ongoing planning engagements alongside discretionary portfolio management.

The firm’s investment approach emphasizes disciplined, long‑term diversified asset allocation grounded in a derivative of Modern Portfolio Theory and implemented through proprietary and platform model portfolios composed mainly of mutual funds and ETFs, plus selected third‑party managers and tactical rebalancing. 49 Financial monitors model and sub‑advisers and uses an OCIO/model‑provider arrangement via a third‑party platform to deliver model-based strategies while maintaining oversight of allocations and manager performance.

What is noteworthy relative to many peers is that several supervised persons are affiliated with broker‑dealers and are licensed insurance agents, and the firm discloses that its advisors may receive commissions and referral compensation, including referral arrangements for premium‑financed life insurance with related entities—relationships that the firm identifies as creating economic conflicts of interest. The firm also offers a formal fractional family office program with premium service tiers and elevated net‑worth minimums that include concierge, tax coordination, governance, and administrative support, reflecting a broader service mix than typically found at multi‑team advisers.