Advanced Financial Solutions, Inc.

Advanced Financial Solutions, Inc. is a small registered investment adviser that works with individual clients (including high-net-worth individuals), trusts, retirement plans, and business entities. The firm offers fee-based comprehensive financial planning (ongoing retainer and limited hourly engagements) and discretionary investment management or supervisory services using mutual funds, ETFs and retirement sub-accounts.

Investment management centers on a proprietary, rule‑based S.T.A.Y.™ framework that blends strategic (passive) and tactical (active) allocation, uses low-cost index funds and ETFs, and seeks to reduce equity exposure into bonds and cash when its mathematical signals indicate elevated market risk. Portfolios are managed under written suitability documentation, reviewed at least quarterly, and the firm operates with limited discretionary authority for no‑load and NAV‑priced funds while other securities are traded only at client direction.

The firm’s distinguishing features include an in‑house algorithmic strategy developed by its founder with a mathematical background and characterized as a low‑frequency, mechanical system (few buy/sell signals over long periods). Other notable practices disclosed in the brochure are a client satisfaction/refund policy for planning engagements, a tendency to allocate substantial advisor time to planning matters outside securities, use of a firm‑contracted custodian for discretionary accounts, and potential conflicts from principals’ separate broker/dealer or insurance activities despite principally fee‑based revenues.