Five Rivers Financial Advisors, LLC

Five Rivers Financial Advisors is a small, fee-based registered investment adviser that provides individualized portfolio management and financial planning to individuals (including high‑net‑worth clients), trusts, estates, retirement plans and other entities. The firm manages roughly $55 million in client assets for about 100 clients and offers continuous advisory services as well as written financial plans and consulting on specific topics.

The adviser develops a client’s investment policy through personal interviews and tailors portfolios using fundamental, technical and cyclical analysis alongside mutual fund and ETF evaluation; strategies include long‑term holdings and opportunistic short‑term trades. Accounts are managed on a discretionary basis, monitored continuously with at least quarterly reviews, and clients receive periodic custodial statements plus firm reports summarizing holdings and performance.

The firm discloses hypothetical performance in its materials and explicitly cautions that simulated or past returns do not guarantee future results, a practice that is uncommon among peers. Other notable features disclosed in the brochure include principals who hold CFP credentials, a stated preference for using a single institutional custodian through Fidelity’s program (with related economic benefits disclosed), a general practice of executing client trades separately rather than routinely aggregating them, and a policy of not voting client proxies.