Saint Joseph, MI Office

Leonard Advisory Group provides ongoing portfolio management and financial planning to individuals, high‑net‑worth households, and business or corporate clients, and also accepts investment entity clients — a client type that is uncommon among comparable small advisers. The firm typically charges percentage‑of‑assets fees for ongoing portfolio management and creates a written Investment Policy Statement for each client to document goals, risk tolerance and constraints.

The firm’s investment process emphasizes long‑term trading guided by fundamental analysis and modern portfolio theory, with discretionary authority commonly requested for day‑to‑day trading and quarterly account reviews. Leonard AG also directs portions of client assets to third‑party investment platforms and managers (including custodial platforms noted in the brochure) and conducts due diligence and ongoing monitoring of those outside advisers.

Notable differences from many peers include an affiliation with an insurance business and supervised persons who are licensed insurance agents; the brochure discloses that these individuals may receive commissions for insurance sales and that the firm documents and discloses the resulting conflicts. The firm also recently transitioned to SEC registration, requires use of specified custodians for client accounts, and combines its advisory services with selection of third‑party manager platforms, which can result in clients paying both Leonard AG’s advisory fee and platform/manager fees.