Modica Financial Services

The firm provides asset management and financial planning primarily to individual and high‑net‑worth clients, and also offers tax services as an enrolled agent and insurance implementation as a licensed life agent. It manages roughly $3.1 million in client assets on a non‑discretionary basis and operates as a sole practitioner serving a small client base.

Investment advice is built on Modern Portfolio Theory with a long‑term, buy‑and‑hold orientation and periodic rebalancing, supplemented by fundamental, technical, and cyclical analysis. Portfolio management is delivered primarily on a non‑discretionary basis—trade execution generally requires client approval—and financial plans are periodically reviewed and revised as circumstances change.

Notable distinctions include the adviser’s combined CFP and enrolled‑agent credentials plus life‑insurance licensing, which allows the firm to provide integrated tax planning, audit representation, and to implement insurance solutions in addition to advisory work. The firm also discloses use of a single independent custodian (Altruist), receipt of custodial research benefits (a disclosed conflict), a policy of not voting client proxies, and a long operating history as a small, one‑advisor practice.