A complete list of active advisors currently associated with A & L Financial Services, LLC

Warmer can help you find a great advisor at A & L Financial Services, LLC or one who fits your needs even better.

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.

To learn more about the advisors currently working at A & L Financial Services, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.