BIY Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides discretionary asset management, financial consulting, a structured financial wellness program, and ERISA retirement-plan services to individuals, high‑net‑worth clients, trusts, business owners and plan sponsors. It operates as a single‑advisor independent RIA, managing roughly $7.7 million for about 30 clients and generally tailors engagements to client goals, time horizons and risk tolerance.
Portfolio management is implemented on a discretionary basis and may draw on fundamental and technical analysis as well as modern portfolio theory; the firm also offers a mutual‑fund–only program through American Funds. For retirement plans the firm serves as a limited‑scope ERISA 3(21) advisor, assisting with IPS development, plan monitoring, selection of investment options and participant education while excluding certain asset types (e.g., employer securities and private placements).
A distinctive aspect of the firm is that the principal maintains a licensed insurance practice and spends a majority of time on insurance activities, offering insurance products for separate compensation — a relationship the brochure discloses and flags as a potential conflict of interest with described mitigation procedures. As a recently formed, small, solo‑advisor firm with no account minimums, it couples pension consulting and a defined financial‑wellness offering with its core discretionary management services.
Client services
Expertise
Fee options
Financial wellness program: negotiable annual fee of $900, billed monthly or quarterly.
All assets+: 1.00% annually
Separate compensation received by insurance agent for insurance product sales.
$250 per hour for financial consulting, fees negotiable.
Main office
Jefferson City MO
Advisors at this office
1
Most active in
Missouri
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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