Allen Financial Advisement, Inc.

Allen Financial Advisement serves individuals, high-net-worth clients, corporations, charities, and pension and profit-sharing plans by providing discretionary portfolio management, retirement-plan consulting for qualified plans (including participant enrollment and participant education), and fee-based educational seminars and speaking engagements. The firm charges percentage-of-assets management fees and reports approximately $6.7 million in discretionary assets under management.

The firm’s investment approach emphasizes passive management and modern portfolio theory, using diversified allocations of index mutual funds and ETFs, periodic rebalancing, and consideration of tax efficiency and client-specific preferences or restrictions. Accounts are typically managed on a discretionary basis and the firm may implement allocations through a third-party program provider, Dunham & Associates Investment Counsel, Inc., sharing advisory fees with that manager.

Noteworthy aspects include the principal’s activity as a licensed insurance agent and the receipt of commissions for insurance sales and referral fees for estate-planning services—conflicts of interest the brochure discloses and says are mitigated by policies and client disclosures. The firm’s combination of retirement-plan consulting with participant education, paid public seminars, and the option to utilize DAIC’s third-party fee arrangements (including an asset-based fee split and a potential performance-fee option for qualified clients) distinguishes it from many peers.