A
Affirmative Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,668,000
Clients
5
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
5
LowAverage account size
$333,600
About
The firm provides investment advisory services to individuals, families, trusts, ERISA retirement plans, and closely held businesses, primarily by acting as a solicitor for third‑party investment managers and facilitating portfolio management relationships. It assists clients in selecting managers and implements portfolios that typically use mutual funds and exchange‑traded funds through those managers’ programs.
The firm’s client process begins with an interview and a risk‑profile questionnaire to match clients with investment manager strategies, followed by periodic quarterly and annual reviews and rebalancing as needed. The adviser does not take custody of client assets or exercise trading discretion; recommended investment managers generally have discretionary authority and custody arrangements.
Notably, the firm’s principal is a licensed insurance producer who sells life, health, disability, Medicare, and long‑term care insurance and receives commission income for those sales, a business line that the brochure discloses may create a potential conflict of interest and represents roughly half of the principal’s professional time. The brochure also emphasizes a solicitation‑based business model for bundled ERISA/retirement solutions and discloses an IRS lien filed in 2019 that is currently being renegotiated.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Retirement plans for business owners (SEP, solo 401k)
Life insurance needs analysis
Long-term care insurance
Fee options
$5,000 - $25,000: One-time Establishment Fee: lesser of 3% or $350 (not paid to AFS) $25,000 - $500,000: 1% annually $500,001 - $1,000,000: 0.75% annually $1,000,001+: 0.35% annually
Insurance commissions from sale of life, health, disability, Medicare, and long term care insurance products
Account minimum: $5,000 Minimum fee: One-time Establishment Fee for Small Accounts ($5,000 to $25,000) of the lesser of 3% or $350 (not received by AFS)
Main office location
Affirmative Financial Services
Jacksonville FL, United States
Number of offices
1
Most active in
Affirmative Financial Services has reported serving >5 clients in these states in the last 12 months.
Washington
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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