FocusYou

FocusYou advises individuals, high-net-worth households, trusts, pension and profit‑sharing plans, and business entities, providing ongoing investment supervisory services, holistic financial planning, and the selection of third‑party money managers. The firm also produces periodic newsletters and social media content and offers educational seminars and workshops, which it includes as part of its advisory services.

The firm develops a written Investment Policy Statement for each client and typically provides advice under non‑discretionary arrangements, obtaining client approval prior to trade execution; it charges customary percentage‑of‑AUM advisory fees for portfolio management. Investment implementation is largely carried out through third‑party asset managers that use a long‑term, passive-oriented approach emphasizing broad diversification across some 14–15 asset classes and an overweight to small‑cap and value exposures.

What is distinctive about the firm is that nearly all reported assets under management are non‑discretionary, a structure that is uncommon among peers and can affect trade timing and execution responsibilities. The adviser also discloses an affiliation with insurance activities and accepts fee‑sharing from third‑party managers it recommends, and it requires use of its recommended custodian — features that create potential conflicts of interest the firm discloses in its brochure.