Crest Financial, LLC

Crest Financial is a small independent advisory firm that serves individuals (including high‑net‑worth clients) and also works with corporate entities and pension or profit‑sharing plans. The firm offers comprehensive financial planning, passive portfolio management using ETFs and low‑cost index mutual funds, and consulting services for retirement plans.

The firm’s investment approach emphasizes long‑term, passive management grounded in modern portfolio theory, using model allocations built from filtered ETFs and index funds and documenting objectives in Investment Policy Statements when appropriate. Financial planning engagements are typically structured as year‑long projects with an option for ongoing monitoring, and the firm provides subscription access to planning software and periodic newsletters for clients who elect ongoing planning support.

Distinctive features include a formal pension consulting practice that provides written plan guidance and recommendations of plan service providers and money managers—services that are relatively uncommon among independent firms of this size. The firm also offers subscription‑style planning access and periodic publications and generally relies on fixed and hourly arrangements rather than primarily on percentage‑of‑assets billing; it reports both discretionary assets under management and additional assets under advisement.