Perpetual Financial

Perpetual Financial is a single‑adviser independent advisory firm that serves individuals (including both high‑net‑worth and non‑HNW clients), corporations, pension and profit‑sharing plans, trusts, estates, and charitable organizations. The firm provides advisory services by qualifying clients for, recommending, and monitoring third‑party managed program services (including SEI programs and a SIMCO tax‑controlled subadvisory option) rather than directly providing portfolio management.

The firm collects client financial and suitability information, assists with manager selection and account enrollment, and conducts periodic oversight and client reviews while leaving portfolio construction, discretionary trading, and custody to the third‑party managers and custodians. Clients receive reporting and account statements from the selected managers/custodians, and Perpetual Financial’s role centers on selection, monitoring, and client communication.

Notable distinctions include the sole advisory representative’s dual registration with a broker‑dealer and licensure to sell insurance, which the brochure discloses can result in both advisory compensation and commissions for securities and insurance sales, and related revenue‑sharing and supervisory arrangements. The firm operates as a high‑client‑load solo practice (over 200 client relationships) and discloses a 2023 consented administrative fine related to a late registration in Florida, items the brochure identifies as potential conflicts of interest to consider.