A & L Financial Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
A&L Financial Services provides personalized financial planning and discretionary asset management primarily to individual and high net worth clients. The firm operates on a fee-only, percentage-of-assets basis and documents client goals and risk tolerances in investment policy statements used to guide ongoing advice.
Portfolios are managed on a discretionary basis using fundamental, technical, and cyclical analysis, with portfolio monitoring, rebalancing, and consideration of tax-loss harvesting described as part of regular reviews. The brochure explicitly describes option-writing strategies — including covered, uncovered, and spread positions — to increase income on equity holdings and discusses borrowing-related risks, and the firm’s managed-account program may employ borrowing in support of these strategies.
What is distinctive for a firm of this size is the explicit use of derivatives and the allowance of borrowing within separately managed accounts, which introduces higher complexity and risk compared with many peers. The firm also maintains a relatively small advisory team managing a modest number of client relationships, emphasizes fee-only advice without commission products, and relies on custodians to provide client statements while clients retain proxy voting responsibility.
Client services
Expertise
Fee options
0.75% annually, billed quarterly in advance
Minimum fee: Advisor may charge up to $250 to cover any closing costs Fee-only: A&L is a fee-only financial planning and investment management firm; does not sell commissioned products
Main office
Rochester MI
Advisors at this office
3
Most active in
Michigan · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Alan A
Series 65
Rochester, MI
A & L Financial Services, LLC
Alan Aidem is a Series 65 licensed financial advisor with two years of industry experience. He is currently with A & L Financial Services, LLC and previously worked at Valassis for five years. A & L Financial Services provides personalized financial planning and discretionary asset management primarily to individual and high net worth clients. The firm uses a combination of fundamental, technical, and cyclical analysis to manage portfolios on a discretionary basis, incorporating option-writing strategies and permitting borrowing within managed accounts.
Michael A
Series 65
Rochester, MI
A & L Financial Services, LLC
Michael Aidem is a financial advisor at A & L Financial Services, LLC with four years of industry experience. He holds a Series 65 designation and has been with A & L Financial Services since 2021. Prior to his advisory role, he worked in the restaurant industry for six years. A & L Financial Services provides personalized financial planning and discretionary investment management primarily to individual and high-net-worth clients. The firm operates on a fee-only basis, employs option-writing strategies as part of its portfolio construction, and emphasizes individualized plan reviews and coordination with outside professionals.
Gary A
Series 65
Rochester, MI
A & L Financial Services, LLC
Gary Aidem is a Series 65 licensed advisor at A & L Financial Services, LLC with 16 years of industry experience. He has been with A & L Financial since 2000 and also works as a loan officer at St. James Mortgage Corp., assisting clients with residential mortgages. A & L Financial Services provides personalized financial planning and discretionary asset management primarily for individual and high net worth clients. The firm uses a fee-only, percentage-of-assets approach and employs fundamental, technical, and cyclical analysis alongside option-writing strategies and borrowing within managed accounts.
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