Honorable Financial Services, LLC

Honorable Financial provides ongoing financial planning and discretionary portfolio management services to individual clients, with a focus on preparing for retirement and managing other major life transitions. The firm requires clients to open and maintain accounts with the third‑party custodian and automated advisory platform Betterment as a condition of receiving its advisory services.

The firm implements top‑down asset allocation strategies that rely primarily on passive exchange‑traded funds and a predominantly long‑term approach, with shorter‑term trading used as client objectives warrant. Honorable Financial combines personalized goal setting and annual reviews with reliance on Betterment’s algorithmic models, rebalancing, and tax‑loss harvesting, and it can place trades via an advisor login even though it prefers clients to make account changes themselves.

Distinctive aspects of the firm include its contractual dependence on a single robo‑advisor platform for custody, model construction, and trade execution, a structure that creates deemed custody when third‑party fees are debited from client accounts and permits the platform to effect portfolio changes without prior client approval. The brochure also discloses that the firm’s principal maintains substantial outside employment in health‑care software quality assurance, reporting a significant monthly time commitment for that non‑investment activity.