Fiscal Dynamics Incorporated

Fiscal Dynamics provides financial planning, ad hoc consulting, and asset management to individuals (including high‑net‑worth clients), as well as corporations, trusts, and pension and profit‑sharing plans. The firm offers both comprehensive and monitored planning packages and manages client portfolios principally through mutual funds and ETFs, including discretionary portfolio management and co‑management or third‑party manager arrangements.

The firm’s investment process emphasizes fundamental analysis and long‑term purchases, with attention to overall asset allocation, periodic rebalancing, and tax‑sensitive trading where appropriate. Fiscal Dynamics conducts client interviews and uses detailed personal financial organizers to develop written plans and evaluates outside managers when recommending co‑management or manager selection solutions.

Noteworthy distinctions include an affiliation with an insurance agency—Fiscal Dynamics Associates, Inc.—and management personnel who are licensed insurance agents and may implement recommendations in a separate, commission‑paid capacity, a potential conflict disclosed to clients. The firm also discloses that it may receive referral compensation from recommended third‑party managers and may act as a co‑ or sub‑manager on select engagements; it does not participate in wrap fee programs and leaves proxy voting with clients.