Ascent Financial Group

Ascent Financial Group provides comprehensive financial planning and ongoing portfolio management primarily for individual and high‑net‑worth clients, offering services that include retirement planning, tax strategy, risk management, cash‑flow and debt management, college savings, business planning, and monitoring of variable annuities and insurance separate accounts. The firm bills on an asset‑based fee schedule and delivers continuous planner access and implementation over time.

The firm generally manages client accounts on a discretionary basis, applying a mix of fundamental, technical, cyclical and economic analysis to construct strategic asset allocations and pursue long‑ and short‑term trading as appropriate. AFG monitors portfolios regularly, conducts annual plan reviews, and may hire or replace sub‑advisers or reallocate assets without prior client approval while placing trades through qualified custodians to seek best execution.

Uncommonly for supported firms, AFG participates in an insurance platform provided by DPL Financial Partners that gives clients access to commission‑free insurance products via licensed agents and a third‑party broker‑dealer; AFG pays a fixed annual fee for access to that platform and discloses that insurers pay service fees to DPL. The firm notes it does not accept commissions for insurance sales as part of its advisory business, but also discloses that some advisory personnel hold insurance licenses and could receive customary insurance commissions when acting in that separate capacity, and it includes insurance separate accounts in its asset management and reporting.