Borges Financial

Borges Financial is a small, fee-only independent advisory firm that provides hourly and ongoing financial planning to individuals and high‑net‑worth clients and offers investment consulting services to other financial advisors. The firm does not manage client assets or accept custody and delivers written or electronic financial plans and consulting deliverables to clients and advisor‑clients.

The firm’s investment approach emphasizes diversified, buy‑and‑hold portfolios informed by Modern Portfolio Theory, with a primary preference for passive vehicles while permitting active managers or tax‑ or value‑driven exceptions where appropriate. Borges Financial also incorporates ESG analysis on request and tailors recommendations to each client’s risk tolerance, time horizon, and reasonable investment restrictions while coordinating with clients’ attorneys and tax professionals as needed.

What distinguishes Borges Financial from many solo independent advisers is its explicit advisory‑to‑advisor consulting practice—providing model portfolio construction, due diligence, portfolio analytics, and bespoke research for other advisors rather than delivering discretionary asset management. The firm’s engagement model and fee structure (hourly planning and fixed monthly ongoing planning rather than percentage‑of‑assets fees) and its disclosed work for a range of institutional‑type clients, including other advisers, corporate and pension plans, charitable organizations, municipal and sovereign entities, banks, and insurance companies, are uncommon among peers.