Financial Counseling Associates, Inc

Financial Counseling Associates provides investment advisory and financial planning services to individuals (including high‑net‑worth and non‑HNW clients), as well as trusts, small businesses, retirement plans and foundations. The firm manages roughly $103.5 million for about 125 clients and advises on mutual funds, exchange‑traded funds, stocks, bonds, CDs and, when appropriate, options.

The firm operates as a fiduciary and, for most assets, has discretionary authority to implement investment decisions; its typical approach emphasizes diversified portfolios, no‑load and low‑transaction investments, and quarterly account reviews. Advisors aim to limit frequent trading and commonly implement trades in block orders across client accounts to seek more consistent execution and to control costs and tax effects.

Notable features for a small, two‑advisor firm include maintaining multiple offices while serving a relatively large client base and using a team‑based, horizontal structure. One investment professional holds the CERTIFIED FINANCIAL PLANNER™ credential and a Series 65 license, the firm relies on third‑party research (including Litman Gregory funds, for which it receives disclosed discounts), and it generally avoids commission‑based products and performance‑based fees.