Chester, MD Office

Ethos Financial Group serves individuals (including high-net-worth clients), trusts, estates, state and municipal entities, and charitable organizations, and also provides consulting and sub‑advisory services to other investment advisers. The firm offers discretionary and non‑discretionary investment management alongside financial planning, estate planning, insurance recommendations, and related consulting.

Investment recommendations are delivered primarily through model portfolios and a stated “Core Allocation” that combines index‑based exposures into diversified, risk‑conscious portfolios implemented via separately managed accounts, mutual funds, ETFs, independent managers and overlay managers. Ethos supplements its process with third‑party research and signal providers, offers optional tax‑overlay management, and notes that AI tools are used for operational and administrative support but not for making investment decisions.

Ethos differs from many multi‑team peers in that certain associated persons are dually registered as representatives of FINRA member broker‑dealers and are licensed insurance agents, enabling the implementation of commission‑based products in their individual capacities. The firm also acts as a sub‑advisor to other RIAs, may enter into performance‑based fee arrangements under Rule 205‑3, operates a supported platform with advisor‑as‑portfolio‑manager functionality for its IARs, and discloses affiliated private fund interests involving firm personnel.