Phoenix, AZ Office

Fortem Financial serves high‑net‑worth individuals, corporations and business entities, pension and profit‑sharing plans, charitable organizations, and trusts and estates with a mix of financial planning, investment management, retirement plan consulting, and broader wealth management services. The firm provides both discretionary portfolio management and standalone financial planning or consulting engagements and can advise on held‑away accounts and employer‑sponsored plans.

Fortem typically begins client relationships with a financial plan and an investment policy statement and implements diversified portfolios using mutual funds, ETFs, individual debt and equity securities, and third‑party independent managers, drawing on modern portfolio theory, factor investing and quantitative optimization. The firm monitors accounts on an ongoing basis, serves as a fiduciary for ERISA and IRC matters for retirement plans, and has technology and operational processes to review and manage held‑away accounts (including an order‑management system).

What distinguishes Fortem from many peers is its network of affiliated businesses and the revenue arrangements that accompany them: as an indirect subsidiary of Focus Financial Partners the firm discloses affiliated entities that facilitate lending, insurance placement, and cash and credit solutions and that share revenue or receive commissions, creating potential conflicts of interest. The brochure also discloses that some supervised persons are registered representatives of a broker‑dealer and may receive transaction‑based compensation, the firm accepts sponsorships and referral arrangements from custodians and conference sponsors, and it may employ derivatives, option strategies and margin/borrowing in separately managed accounts.