Fernandina Beach, FL Office

Manchester Financial provides portfolio management, financial planning, limited consulting, and 1031 exchange consulting to individuals, high‑net‑worth clients, retirement plans, corporations, trusts, and other organizations. The firm also offers management of participant‑level retirement ("held‑away") accounts via a third‑party platform (Pontera) and may refer clients to separately managed accounts or private offerings.

Manchester Financial builds individualized asset‑allocation strategies and typically manages accounts on a discretionary basis, using model allocations and a combination of long‑term diversification with occasional short‑term trading. The firm charges percentage‑of‑AUM advisory fees and may permit borrowing (margin) on a rare, case‑by‑case basis or place assets with SMAs when deemed appropriate.

Distinctive features include an affiliated insurance agency that earns commission‑based compensation for insurance products and the potential to receive performance‑based fees when qualified clients invest in private offerings or pooled funds associated with firm principals. The firm also provides DST‑focused 1031 exchange consulting and uses the Pontera platform to link and rebalance held‑away participant accounts, practices that are less common among similar team‑style advisers.