Investment Strategies, LLC

Investment Strategies, LLC provides fee‑based financial planning and asset management to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, estates, and charitable organizations. Services described in the brochure include discretionary and non‑discretionary portfolio management, comprehensive financial planning (cash flow, tax and estate planning, insurance review, and retirement planning), ERISA 3(21) plan advice, and referrals to third‑party money managers.

The firm manages client assets both directly and through platforms and independent managers, including use of the Betterment for Advisors platform and referral relationships with third‑party managers; it also delivers ERISA plan services such as IPS development, monitoring, and participant education. Investment analysis incorporates fundamental, technical and cyclical methods, and accounts are reviewed at least annually or more frequently as market conditions or client circumstances require.

Among features that distinguish the firm from many peers, the brochure discloses a 2025 regulatory settlement with the state securities regulator — a $10,000 civil penalty and a 24‑month restriction on recommending non‑publicly traded securities unless sold through a registered broker‑dealer. The firm also discloses an affiliation with an insurance business (Retirement Income Strategies, Inc.) to which the managing member devotes substantial time, and it maintains referral and fee‑sharing arrangements with third‑party managers (including an incentive program tied to advisor AUM thresholds); these relationships are identified as potential conflicts and described with disclosure and mitigation procedures.