Dwyer Financial, LLC logo

Dwyer Financial, LLC

Updated today

Client assets under management

$51,006,165

Clients

124

28% high-net-worth

Advisors

2

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

62

High

Average account size

$411,340

About

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.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Financial consulting services

Expertise

Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy

Occupation focus

Founder/Business Owner Retired

Want help finding the right advisor?

Answer a few questions to see advisors matched to you.

Fee options

Fixed

Fixed fee for financial consulting services (up to $5,000)

Percentage

$0+: 1.0% annually (Investment Management Fee for accounts not held at American Funds Service Company, including alternative investments) $0+: 0.5% annually (Investment Management Fee for accounts held at American Funds Service Company) $0+: Up to 1.00% annually (Retirement Plan Services fee, based on plan assets)

Commissions

Insurance products purchased through Dwyer Financial IARs earn commissions and trail fees; not included in advisory fees

Project-based

$100 per hour for financial consulting services

Other

Fee-only: Financial consulting services: fixed fee up to $5,000 or hourly fee $100 per hour (fees paid directly by client, not billed to account)

Main office location

Dwyer Financial, LLC

2615 N. Fourth St. #5

Flagstaff AZ 86004, United States

Number of offices

1

Most active in

Arizona · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Theodore D

CFP®, ChFC®, Series 63, Series 65

Flagstaff, AZ

Dwyer Financial, LLC

Theodore Dwyer is a CFP® and ChFC® with 45 years of industry experience. He is the principal of Dwyer Financial, LLC, where he has worked since 2017. His prior experience includes roles at R.M. Stark & Co., Inc. and Arizona Central Credit Union, as well as extensive work with various insurance companies. Dwyer Financial, LLC is a state-licensed investment adviser serving individuals, trusts, retirement plans, businesses, and charitable organizations. The firm uses fundamental analysis and third-party research to build portfolios primarily composed of no-load, institutional, or load-waived mutual funds, and offers access to alternative investments and third-party due diligence for qualified clients.

Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Retired
user avatar

Gabrielle F

Series 65

Flagstaff, AZ

Dwyer Financial, LLC

Gabrielle Fitzwater is a financial advisor at Dwyer Financial, LLC with one year of industry experience. She holds a Series 65 designation and previously worked at Me Financial PLLC and various insurance companies. Outside of finance, she owns and operates Solette Media, a web design business. Dwyer Financial, LLC serves individuals, trusts, retirement plans, businesses, and charitable organizations with financial consulting and discretionary investment management. The firm uses fundamental analysis and third-party research to build portfolios, offering access to institutional platforms and alternative investments for qualified clients.

Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Retired
Warmer team member

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor
Discover

Compare top advisor firms by metric, firm size, and location.

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")