Financial Strategies, LLC

The firm provides fee-only financial planning and discretionary investment management to individuals and couples, delivering ongoing portfolio management as well as hourly consultations and comprehensive written financial plans. Typical client concerns include retirement planning, college funding for children and grandchildren, making effective use of employee benefits, tax minimization, and estate preservation.

The advisor uses Modern Portfolio Theory to set asset allocation and emphasizes diversification across asset classes, a long-term buy-and-hold orientation, and the use of low-cost mutual funds, ETFs, bonds, REITs and CDs while also applying economic and fundamental analysis. Investment management is conducted under written advisory agreements granting discretionary authority, with quarterly reports and continuous monitoring and the principal acting as the sole reviewer of client accounts.

Distinctive features include a relatively small client roster supporting roughly $14 million in assets under management and a significant non‑U.S. client base, a combination that is uncommon among independent firms. The firm also follows NAPFA and CFP Board fiduciary standards, maintains an opt-in privacy policy for sharing nonpublic information, and limits access to client files to the principal.