Panos Financial Partners, LLC

Panos Financial Partners is a small, independent advisory firm that manages about $42 million across roughly 71 client accounts and provides ongoing portfolio management and investment supervisory services to individuals, high-net-worth individuals, and pension and profit-sharing plans. The firm creates an Investment Policy Statement for each client, seeks written discretionary authority to implement the client’s plan, and does not participate in wrap fee programs.

The firm’s investment process draws on multiple methods of analysis — charting, fundamental, technical and cyclical — and it implements a range of trading strategies, including long- and short-term trades, short sales, margin transactions, and options writing. Accounts are reviewed at least monthly, the firm recommends a specific custodian for execution and custody, and it may aggregate (block) trades across client accounts.

A notable feature disclosed in the brochure is that the firm’s principal is a licensed insurance agent and the firm may offer commissionable insurance products to clients; PFP documents these relationships as potential conflicts of interest and states clients may obtain recommended products from other providers. The firm also manages all assets in-house rather than using third-party managers and explicitly uses higher-risk strategies (short sales, margin, options), which may distinguish its risk profile from many similarly sized independent advisers.