Othniel Financial Advisory Services, LLC

Othniel Financial Advisory Services, LLC provides portfolio management, financial planning, and pension consulting to a small client base that includes high‑net‑worth individuals, pension and profit‑sharing plans, charitable organizations and business entities. The firm uses asset‑based advisory arrangements for ongoing services and may recommend third‑party advisers or custodians as part of its service delivery.

The firm documents client goals and risk tolerances in individualized Investment Policy Statements and may employ model portfolios; its methods of analysis include charting, cyclical, fundamental, quantitative and technical approaches, and its strategies range from long‑term investing to short‑term trading, options and short sales. Accounts are reviewed at least quarterly and the firm highlights the material risks associated with derivative and short‑selling strategies in its disclosures.

Noteworthy differences from many peers include an affiliation with an insurance business—one of the firm’s management persons is a licensed insurance agent and may offer commissionable insurance products—and an explicit pension consulting practice, which the brochure highlights alongside institutional plan services. The brochure also describes fee‑share arrangements when referring clients to third‑party advisers and reports a small roster of clients and no assets under management as of December 2016, factors that may affect how the firm operates compared with larger independent advisers.