FORS Financial

The firm serves individual and high‑net‑worth households as well as trusts, estates, foundations, employer‑sponsored retirement plans and charitable organizations, providing discretionary wealth management alongside standalone financial consulting. As a two‑advisor RIA overseeing roughly $135 million across about 240 client accounts, the firm offers portfolio trading, rebalancing and tailored planning that coordinates with clients’ other professional advisors.

The firm’s investment approach is founded on Modern Portfolio Theory and draws on fundamental, technical, cyclical and macroeconomic analysis to build diversified portfolios that may include equities, fixed income, mutual funds, ETFs, closed‑end funds, REITs and alternative structures; it may also employ margin and options strategies when appropriate. The firm can engage independent managers or sub‑advisors, exercises day‑to‑day discretionary trading authority, and provides financial consulting focused on estate, tax, charitable giving, business sale and succession matters.

Distinctive features include the firm’s recent formal registration as an investment adviser and its small, family‑run adviser team that nonetheless serves a broader client mix—including institutional and plan clients—than is typical for firms of similar size. Representatives engage in other business activities such as insurance sales and non‑financial business ownership, and the firm reports custody on certain accounts via standing limited powers of attorney and debits advisory fees directly, which are matters clients may want to review for potential conflicts and oversight.