Fundamental Advisors, Inc.

Fundamental Advisors, Inc. provides investment advisory services to individuals (including high-net-worth clients) and to pension, profit-sharing, and 401(k) plan sponsors, offering discretionary and non-discretionary portfolio management, model portfolios, financial planning, and consulting. The firm specifically offers pension consulting services — including investment policy statement development, asset-allocation guidance, investment selection assistance, performance monitoring, and participant education — a service set that is uncommon among single-advisor independent firms.

The firm’s investment approach emphasizes asset-allocation-driven portfolios and mutual fund/ETF analysis, using both long‑ and short‑term purchase strategies and monitoring accounts at least quarterly to maintain alignment with client objectives. Accounts are managed under discretionary or non-discretionary agreements and are billed on a percentage-of-assets basis; the firm discloses that cash and cash equivalents (and, in some cases, fixed-income securities) may be excluded from assets when calculating advisory fees.

Operationally, the firm combines a solo‑advisor model with services more typically associated with larger firms — notably pension-plan consulting — and relies on third‑party relationships (including Focus Partners Advisor Solutions and custodial/brokerage platforms at Charles Schwab and Fidelity) with corresponding conflict disclosures. The firm also documents the principal’s outside accounting services and its use of an AI tool (Claude) as a drafting and research aid under a written AI-use policy with required human review, each relationship disclosed as a potential conflict and managed through firm policies.