Decision Investments, Inc.

Decision Investments, Inc. provides discretionary investment management, financial planning, and retirement plan consulting to individual and high-net-worth clients as well as employer plan sponsors, managing about $154.9 million for roughly 135 client relationships with two advisors. Services described in the brochure include portfolio management across equities, fixed income, ETFs and mutual funds, standalone financial plans, consultation on topics such as college funding and tax/estate planning, and ERISA-conscious retirement plan consulting.

The firm describes an active, tactical asset-allocation approach that combines fundamental and technical analysis, with portfolios reviewed at least quarterly and rebalanced as needed; it also discloses the use of alternative instruments including structured investment products. Accounts are custodied at a qualified custodian and the firm has limited authority to instruct fee deductions; the brochure also states the firm does not accept proxy-voting authority for client securities.

What distinguishes the firm among peers is its combination of a relatively small advisory team with formalized, detailed procedures for structured products — including documented suitability, supervisory review, annual training, and concentration monitoring — and its disclosure that it advertises third‑party ratings. The brochure also highlights firm-level compliance controls (a formal Code of Ethics, documented trade-error and aggregation policies) and explicit ERISA fiduciary acknowledgement for retirement-plan engagements.