New York, NY Third Avenue Office

Flores Wealth Planning is a small, state‑registered independent advisory firm serving individuals, families, trusts, and employer-sponsored retirement plans, managing roughly $3 million across a very small client base. The firm provides broad financial planning, periodic investment consultation, investment supervisory services, and can implement portfolios using third‑party/outside managers.

The firm’s investment approach emphasizes diversification and Modern Portfolio Theory, typically using passive core allocations with active satellite positions and documenting objectives in an investment policy statement; accounts are often managed on a discretionary basis with periodic monitoring and rebalancing. Flores Wealth Planning also uses outside managers and institutional custody/execution platforms to implement strategies and support reporting and operational needs.

Compared with many peers, the firm provides pension consulting and employee benefit plan services through an affiliation with a third‑party 3(38)/3(21) manager (Vestwell Advisors, LLC) and offers educational workshops and real‑time planning sessions for individuals and employee groups. The sole advisor also provides financial‑wellness and counseling services through outside organizations and maintains institutional relationships (e.g., Betterment Institutional and Schwab) that supply custody/execution plus business support services.