Pelorus Financial, LLC

Pelorus Financial is a small, two-advisor registered investment adviser that serves individuals (including high-net-worth clients), charitable organizations, and business entities with ongoing portfolio management and financial planning services. The firm provides individualized Investment Policy Statements and implements portfolios that emphasize mutual funds, fixed income, and a primary use of ETFs, as well as Treasury inflation-protected bonds and precious metal ETFs when appropriate.

The firm’s investment approach combines fundamental analysis and modern portfolio theory with a long-term trading horizon; it documents risk tolerance, uses model allocations and Monte Carlo-style projections, and typically seeks discretionary authority to execute client strategies. Financial planning is offered as a separate service with fixed-fee engagements (disclosed in the brochure) and planning work products are delivered at plan completion unless ongoing services are agreed.

Pelorus is notable among peers for requiring clients to custody assets at a specific custodian (TD Ameritrade Institutional) and for participating in that custodian’s institutional program, which may provide research, trading, and soft-dollar benefits to the firm. The firm’s principals are also licensed insurance agents and may, from time to time, offer commissionable insurance products to clients (a disclosed conflict of interest), and the firm discloses no account minimums and a wide fixed-fee range for financial plans.