Aliya Financial

Aliya Financial is a newly formed, state-registered independent investment adviser that provides investment management and integrated financial planning to individuals and families, including high-net-worth clients, retirees and pre-retirees, trusts and estates, and small business owners. Its services include ongoing discretionary or non-discretionary portfolio management, retirement and income planning, longevity and long-term care planning from a planning perspective, insurance analysis, and education and cash-flow guidance.

The firm uses a mix of quantitative and qualitative analysis and manages both traditional diversified portfolios and options-based income strategies (for example, covered calls, cash‑secured puts, and options overlays), while expressly avoiding uncovered options and margin. Advice and financial planning are delivered together under an asset-based advisory relationship, with regular monitoring on monthly, quarterly, and annual cadences and the ability for clients to impose investment restrictions.

Distinctive features noted in the brochure include the firm’s principal acting as a licensed insurance producer and being appointed with an insurance carrier (Primerica), with the firm disclosing that it may receive insurance commissions and describing mitigation measures for that conflict. The brochure also discloses outside activities such as book royalties and consulting, recommends custodians with options trading capabilities (Interactive Brokers), states the firm does not take physical custody of client assets beyond fee deduction, and discloses that the principal’s 2019 personal bankruptcy was discharged.