Focused Finances, LLC

Focused Finances primarily serves individual investors and couples, providing comprehensive financial planning, ongoing subscription-based planning services, and discretionary portfolio management. Like many independent advisers, it charges asset-based fees for investment management and offers standalone planning engagements and hourly consulting.

The firm implements diversified portfolios built mainly from open‑end mutual funds, ETFs, and individual bonds, favoring managers who use fundamental or quantitative analysis and managing portfolios on a long‑term, buy‑and‑hold basis. Investment management is offered only after a client completes a financial review or full financial plan and maintains an active planning subscription, with regular rebalancing and quarterly performance reviews handled by the firm’s sole advisory professional.

Noteworthy features include a long track record as a small, single‑advisor practice and a voluntary subscription to the Institute for the Fiduciary Standard’s Best Practices. The firm structures ongoing client relationships around annual planning tiers, coordinates estate‑planning document preparation through EncorEstate Plans on a pass‑through basis, and recommends a specific custodian (Altruist) whose institutional support services the firm uses.