Beltramo Financial Services, Inc.

Beltramo Financial Services provides personalized financial planning and discretionary investment management to individuals as well as to pension and profit‑sharing plans, trusts, estates, charitable organizations, and small businesses. Advisory services cover retirement and education planning, tax and estate considerations, investment management through custodial brokerage accounts, and guidance on rollovers and other non‑securities matters.

The firm implements client strategies through written Investment Policy Statements and a core‑and‑satellite investment approach that emphasizes passive index mutual funds and ETFs with selective use of active managers or individual securities, global diversification, and generally low turnover. Accounts are managed on a discretionary basis with regular (at least quarterly) reviews and custody held with independent broker‑dealers or fund companies.

Noteworthy aspects that distinguish the firm from many peers include that its associated persons are state‑licensed insurance agents and may receive commissions when clients implement insurance recommendations, a potential conflict the firm discloses to clients. The firm also provides portfolio management to institutional clients (such as pension and profit‑sharing plans) and maintains referral arrangements with third‑party advisers under which it receives a portion of management fees—features that are less common among independent advisory firms.