Des Moine, IA Office

Focus Financial Network serves a broad mix of clients including individual investors (both non‑HNW and high‑net‑worth), employer‑sponsored retirement plans, trusts, estates, charities and corporate entities, providing managed account services, financial planning, retirement plan consulting and recommendation services. The firm delivers advisory services through Investment Advisory Representatives and supports both discretionary and non‑discretionary management, as well as third‑party manager and wrap fee program options.

Investment advice is personalized around a client’s stated Investor Profile and can include portfolio management, asset allocation, alternative investments, structured ETPs, securities‑based lending referrals, and periodic rebalancing; advisors may implement strategies directly or place assets on third‑party platforms while continuing oversight. The brochure also discloses operational practices such as use of third‑party AI tools to transcribe and summarize meetings, and explicit processes for recommending and coordinating with outside professionals to implement planning recommendations.

Compared with many large enterprise advisers, Focus emphasizes coordination with other professionals for estate planning and related legal or tax implementation — including expanded “Estate Planning Consultation” services and disclosures about referrals and potential referral fees — which the firm documents alongside conflicts and mitigation measures. The firm also provides unusually detailed operational and conflict disclosures for an enterprise platform (dual registration with Osaic Wealth, wrap program mechanics, loan and incentive arrangements, and AI usage), giving clients clearer visibility into referral, execution and administrative arrangements.