Advise Financial

Advise Financial provides financial planning and investment advisory services to individuals, families, and employer clients, including educational seminars and retirement‑plan support. The firm also offers specialized services such as Custom Indexing (direct indexing) and coordinates with third‑party tax and accounting professionals as part of its planning work.

The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes passive, low‑cost index funds and ETFs, long‑term buy‑and‑hold management, and periodic rebalancing with continuous monitoring. It implements strategies through designated custodial platforms (Charles Schwab, Betterment, Interactive Brokers) and supplements planning with ongoing support options, including a post‑plan coaching subscription ($399/month) and employer programs for employee financial wellness.

Noteworthy features in the brochure include a direct link to BrokerCheck with its CRD number and a description of the Empowerment program as featuring a “top‑rated” financial planner, disclosures of promoter referral arrangements that can pay 10–25% of advisory fees, and a Custom Indexing implementation that uses a Schwab sub‑advisor charging a separate 0.15% technology fee. The combination of employer‑sponsored wellness programs (employer‑paid arrangements starting at $5,000/month), a subscription coaching product, and disclosed third‑party promoter payments is uncommon among similarly sized independent advisory firms.