Orr Financial, LLC

The firm is an independent, single‑advisor registered investment adviser that primarily works with individual clients, offering portfolio management, portfolio monitoring with third‑party money managers, and financial planning. It reports roughly $5.2 million in assets under management and serves a small client base, with managed accounts available on either discretionary or non‑discretionary terms.

The firm’s investment approach is centered on asset allocation and modern portfolio theory, using a mix of equities, fixed income, mutual funds and ETFs informed by both fundamental and technical analysis. It recommends and supervises outside portfolio managers when appropriate, applies explicit due‑diligence criteria (such as track record, team stability and portfolio composition), and does not include assets managed by those independent managers in the firm’s own AUM totals.

Notable distinctions include the sole advisor’s status as a licensed insurance producer—insurance recommendations may generate commissions—and an arrangement in which third‑party portfolio managers pay the firm a monitoring fee, creating potential conflicts of interest that are disclosed in the brochure. The firm also maintains a custodial relationship that provides certain economic benefits to the adviser and is authorized to have advisory fees deducted directly from client accounts.