Dwyer Financial, LLC

Dwyer Financial provides investment advisory services to individuals (including high‑net‑worth clients), trusts, pension and retirement plans, businesses, and charitable organizations. The firm offers investment management, financial consulting, third‑party investment advisor referral services, and retirement plan services that can include ERISA fiduciary and non‑fiduciary work.

The firm uses fundamental analysis to construct portfolios, typically relying on no‑load, load‑waived, or institutional mutual funds and by default managing accounts on a discretionary basis with periodic reviews. It also offers access to SEI asset allocation models with automated rebalancing and, for qualified and suitable clients, may recommend alternative investments such as private equity, private debt, private real estate, and private oil/gas placements with associated due diligence and disclosure.

Distinctive features compared with many peers include a regular use of private and alternative investment offerings and the acceptance of certain retrocession or fee‑sharing arrangements with product sponsors (for example, YREFY and PB Non‑Op Drilling GP, LLC), which the firm discloses may be credited against client fees and create potential conflicts of interest. The firm also directs custody through specific platforms for managed accounts (including American Funds Service Company and an SEI program), receives non‑transactional services and occasional reimbursements from those providers, and has investment adviser representatives who may be licensed to sell insurance and receive commissions—all items it discloses to clients.