Firmament Financial

Firmament Financial is a small, state‑registered independent adviser that serves individuals, high‑net‑worth clients, businesses, and charitable organizations with investment management, financial planning, business planning, and tax return preparation services. The firm provides continuous portfolio supervision and tailored financial plans guided by client‑specific investment policy statements.

The firm primarily practices passive investment management—constructing portfolios with index mutual funds and ETFs—while also employing fundamental, technical, cyclical and charting analysis to inform allocation and tactical choices. The brochure discloses use of options and other derivatives, including covered‑call strategies in separately managed accounts, and accounts are reviewed on a quarterly basis under discretionary authority.

Distinctive features noted in the brochure include registration as a public accounting firm and in‑house tax return preparation services (facilitated with third‑party accounting/bookkeeping partners), and an explicit client mix that includes charitable organizations. The firm also discloses operational differences from many peers—such as not aggregating trades into block orders and not providing written investment reports to advisory clients.