Contreras Financial, Inc.

The firm provides ongoing portfolio management and financial planning to individuals, high‑net‑worth clients and business entities, and includes pension consulting and services for pension or profit‑sharing plans. It also sponsors a wrap fee program and offers insurance products, including annuities and life and health insurance, through an affiliated insurance business, and conducts periodic educational seminars and workshops.

Investment programs are tailored through an Investment Policy Statement and typically managed on a discretionary basis, with methods that include fundamental analysis, modern portfolio theory and quantitative analysis and the use of long‑ and short‑term trading across mutual funds, ETFs, fixed income, equities and select non‑U.S. securities. The firm requires clients to custody assets at Schwab Institutional and documents its monitoring and review process through regular account statements and periodic portfolio reviews.

What is distinctive about this firm relative to many independent peers is its role as sponsor of a wrap‑fee program and its explicit pension consulting work and service to pension/profit‑sharing plan clients, all of which are statistically less common for firms in this category. The firm’s advisor is also a licensed insurance agent who sells insurance and annuity products through an affiliated insurance business—a relationship the firm discloses and documents as a potential conflict of interest—and the firm’s provision of seminars and workshops is another feature that is uncommon among peers.