Avina Financial Group, Inc.

Avina Financial Group serves individual clients (including high‑net‑worth individuals), pension and profit‑sharing plans, charitable organizations, and businesses, providing financial planning (including a specialized college planning service), portfolio management, and pension/retirement plan consulting. Financial plans are delivered in writing (typically within 90 days) and the firm also offers participant education and workshops as part of its plan services.

The firm offers both discretionary and non‑discretionary portfolio management exclusively through a firm‑sponsored wrap fee program and primarily advises on mutual funds and ETFs, using methods such as modern portfolio theory, fundamental analysis, and charting. Client accounts are monitored on an ongoing basis with at least annual reviews, and the firm works with recommended custodians (including Charles Schwab and Voya) and model asset allocations that may be adjusted by selected portfolio strategists.

Noteworthy aspects relative to peers include sponsorship of a wrap fee program (an uncommon service among supported firms), a disclosed affiliation with licensed insurance agents who may receive commission‑based compensation for insurance sales, and a focus on retirement plan services that can include discretionary plan‑level consulting and 3(38)‑type responsibilities plus participant education and seminars. These features—wrap‑only asset management, insurance distribution, and explicit plan fiduciary/education capabilities—differentiate the firm from many similarly sized supported advisers.