Ferguson Financial Advisors

Ferguson Financial Advisors is a small, state‑registered independent advisory firm that serves individuals, high‑net‑worth clients and businesses, providing ongoing asset management, ERISA 3(21) retirement plan advisory services, financial planning and consulting, and educational seminars. As a solo‑practitioner firm it manages approximately $17.7 million for roughly 117 clients and places client accounts on third‑party platforms and wrap fee programs when appropriate.

The firm documents client goals and risk tolerance in individualized Investment Policy Statements and typically manages accounts on a discretionary basis, monitoring portfolios regularly and reallocating as needed. It routinely uses third‑party platforms and may retain sub‑advisers or outside money managers; its methods of analysis include fundamental, technical, charting and cyclical approaches and it offers both comprehensive planning engagements and hourly consultations.

Noteworthy distinctions include an affiliated insurance business: the firm’s principal is a licensed insurance agent who spends about half of their time on that activity and receives commissions for insurance product sales, a conflict disclosed in the brochure and addressed through written disclosures and firm procedures. The firm also offers public seminars and workshops (educational in nature, with materials fees capped at $50), a service that the brochure notes is offered less frequently by similar independent advisers, and it discloses use of third‑party platform arrangements (including potential business development allowances) from providers such as AssetMark.