Richmond, VA Office

Frontier Financial Partners provides fee-based financial planning and investment management to individuals (including high-net-worth clients), pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses, offering services such as cash flow analysis, tax and retirement planning, education funding, estate planning, and portfolio management. The firm documents client goals in investment policy statements and delivers written initial evaluations and periodic reviews to support ongoing planning and implementation.

The firm’s investment approach uses a factor-investing, core-and-satellite framework that relies on passively managed index funds and ETFs for core exposures and selectively adds active funds or alternative investments for satellite positions, with portfolios constructed to be globally diversified. Frontier accepts discretionary trading authority, places trades under limited powers of attorney (including through co-advisory arrangements), and conducts regular account reviews and ongoing client communication.

What is distinctive for this firm among similar-sized teams is that several advisors hold appointments as licensed insurance producers and the brochure discloses that insurance product compensation may be earned while clients are explicitly free to place insurance business elsewhere. The firm also maintains co‑advisory and sub‑advisory relationships (including arrangements with named third‑party advisors) and offers a broader set of engagement types — such as fixed-fee retainer and due-diligence agreements in addition to hourly and asset management services.