Firmament Financial

Firmament Financial provides tailored investment management and comprehensive financial planning, and also offers tax return preparation and business-planning consulting. Its client base includes individuals, high‑net‑worth clients, businesses and charitable organizations, and the firm is registered as a public accounting entity with the Nevada State Board of Accountancy.

The firm typically implements passive portfolios constructed from index mutual funds and ETFs and uses a client-specific investment policy statement to guide asset allocation and restrictions while acting as a fiduciary for retirement accounts. It also applies fundamental, technical, cyclical and charting analysis and, notably, may employ derivatives (including options) in separately managed accounts as part of its investment toolkit.

Distinctive features include in‑house tax preparation and coordination with clients’ attorneys and tax professionals—reflecting the firm’s dual advisory and accounting registrations—and a stated client roster that includes charitable organizations, which is less common among peers. The brochure also discloses operational practices that differ from many independent advisers, such as trading accounts on an individual basis rather than block/aggregated executions and not providing separate written investment reports to advisory clients.