ETU Financial

The firm serves individuals and families, including self-employed individuals and small business owners, offering discretionary investment management with integrated tax planning, standalone financial planning, and separate non-advisory tax and accounting services (income tax preparation, tax planning, bookkeeping, and payroll) provided by an Enrolled Agent associated with the firm. Financial planning is delivered as part of the investment management relationship and also available as a one-time engagement under a separate agreement.

The firm pursues a long-term, strategic asset-allocation approach using primarily low-cost mutual funds and ETFs, with periodic rebalancing and tax-aware techniques such as asset location and tax-loss harvesting, and it manages client accounts on a discretionary basis with regular reviews. The adviser coordinates investment decisions and tax considerations directly, and — on a limited, documented basis — may purchase exchange-listed put or call options or retain individual equity or fixed-income securities when client tax or concentration circumstances warrant.

Noteworthy aspects include that the firm is newly registered and reported no assets or client accounts at the time of filing, and it operates beyond a typical solo-advisor model by combining investment advisory services with a substantial tax and accounting practice performed by the same professional. The firm’s explicit, purchase-only options policy and its documented use of individual securities alongside pooled vehicles are less common choices among peers and are governed by written investment policy statements.