Association Financial Services, LLC

Association Financial Services serves predominantly individual and small-business clients through a single primary adviser and a modest client base. The firm provides financial consulting and personalized planning (including education planning and retirement and Social Security planning), discretionary portfolio management, recommendations and monitoring of third‑party sub‑advisers, and offers educational workshops and notary services.

Investment work is individualized: clients complete a financial survey and Client Investment Profile that guides asset allocation and fundamental-analysis-based portfolios, which the firm manages on a discretionary, percentage‑of‑AUM basis with periodic rebalancing and ongoing reviews. When appropriate, day‑to‑day management is delegated to sub‑advisers while the firm retains oversight and collects management fees.

What is distinctive in the brochure is the firm’s insurance affiliation and emphasis on annuity solutions — the principal also operates an affiliated insurance company and the firm reports roughly $4 million in discretionary securities assets alongside about $20 million in non‑security investments placed in fixed and fixed‑indexed annuities through that affiliate. The combination of offering educational workshops and a practice oriented toward annuity-based, lower‑volatility solutions for clients uncomfortable with market swings is less common among comparable supported advisers.