Better Things Financial Partners LLC

The firm provides fee‑based investment management and financial planning primarily to individual clients, delivering asset management services alongside comprehensive planning reviews that cover wills, estate/trust matters, taxes, and insurance. It also operates an affiliated insurance practice and will offer insurance products to clients as a separate activity disclosed in the brochure.

The firm manages client portfolios on a non‑discretionary basis, determining recommended securities and amounts but obtaining client approval before executing trades, and documents client goals in an Investment Policy Statement or risk tolerance form. Its investment work draws on fundamental and technical analysis and asset allocation, with account reviews performed at least quarterly and financial plans generally completed and delivered within about 90 days.

Compared with many independent RIAs that commonly accept discretionary authority, this firm’s primary use of non‑discretionary management is a notable divergence that leaves final trading decisions with clients. The firm’s managing member is also a licensed insurance agent who spends roughly 15% of his time on insurance business and may receive customary commissions for those sales; the brochure discloses this potential conflict and describes mitigations such as the firm’s fiduciary obligations and the client’s ability to obtain insurance elsewhere.