Cratty & Swanson Advisors L.L.C.

Cratty & Swanson Advisors L.L.C. provides financial planning and consulting to individuals and high‑net‑worth clients and holds public seminars and workshops that are educational in nature. The firm serves a small client base and also acts as a referral and liaison to third‑party money managers.

Cratty & Swanson does not manage client assets or accept discretionary trading authority; instead it delivers financial plans on an hourly basis (typically completed and delivered within about 30 days) and coordinates onboarding, paperwork, and periodic reviews with selected third‑party managers such as Gradient Investments, LLC. Clients retain custodianship of assets and receive account statements from independent custodians while the firm reviews TPM reports and provides ongoing client support.

Distinctive aspects include the managing member’s concurrent role as an independent insurance agent—which consumes the majority of his time and may result in commissions for insurance sales—and the firm’s reliance on referral fee arrangements and incentive programs with a named third‑party manager. Unlike most independent advisers, Cratty & Swanson does not directly manage client portfolios or operate primarily on a percentage‑of‑assets advisory fee model.