FIA Services, Inc.

FIA Services, Inc. provides investment management and complementary financial planning to individuals, families, small businesses, trusts, corporate plans and charitable organizations, with planning services offered at no additional charge to investment clients. The firm offers ongoing portfolio supervision, periodic rebalancing, semi‑annual and annual reviews, and regular performance reporting.

The firm follows an asset‑allocation approach, constructing diversified portfolios using low‑cost mutual funds, ETFs, large‑cap dividend stocks and investment‑grade bonds, with attention to tax‑efficiency and annual rebalancing. Although the brochure states accounts are generally managed under an investment policy on a discretionary basis, the adviser also accepts non‑discretionary mandates at client request — a flexibility that is less common among peers.

A notable feature is that the firm’s principal also operates a licensed certified‑public‑accounting practice and a real‑estate brokerage; the brochure discloses significant time spent on the accounting business and some time on real estate while stating that the adviser will not provide services to those affiliates to avoid conflicts. Operationally the firm maintains custody through a single broker‑dealer, does not accept proxy‑voting authority, and runs a small, concentrated practice with under $1 million in assets, which differentiates its business model from larger independent advisers.