Graylark Financial, LLC

Graylark Financial is a small registered investment adviser that provides discretionary and non‑discretionary portfolio management and integrated financial planning to individuals (including high‑net‑worth clients), trusts, estates, charitable organizations, and corporations. As with many peers, the firm generally charges percentage‑of‑assets fees and constructs diversified portfolios for individual clients.

The firm’s investment process combines fundamental, technical and cyclical analysis and typically implements asset‑allocation portfolios using ETFs, mutual funds, equities, fixed‑income and cash, and it may allocate portions of assets to third‑party managers for separate account management. Graylark recommends a specific custodian platform, conducts periodic manager due diligence, and uses software tools — including client‑relationship software with AI‑based meeting summarization — to support monitoring and reporting.

Distinctive aspects disclosed in the brochure include that the firm is operated by a single advisory professional while also being affiliated with an insurance agency; principals receive commissions on insurance and annuity sales and the firm discloses a compensated referral arrangement for Medicare products, creating potential conflicts of interest. The firm also uses testimonials in its advertising and publishes an educational/marketing book, practices that are less common among similar advisers.