Owatonna, MN Office

PFG Advisors provides fee-based investment advisory services to a broad client base that includes individuals (including high-net-worth clients), retirement plans, trusts, estates, charitable organizations, corporations, and financial institutions such as credit unions and banks. Services described in the brochure include discretionary and non-discretionary portfolio management, financial planning and retirement planning, wrap-fee programs, and access to third-party money managers and TAMPs.

PFG’s investment approach is delivered through its network of investment advisor representatives (IARs), who may implement firm-developed model portfolios or select unaffiliated third‑party managers; the firm cites model access from Dynamic Advisors Solutions and Cantor Fitzgerald Investment Advisors and says portfolios often emphasize top‑down macro allocation implemented with index-based ETFs alongside fundamental, technical and cyclical analysis, with routine monitoring and rebalancing. The firm also offers turnkey services to manage “held‑away” retirement-plan assets via a third‑party platform and makes use of multiple marketplace platforms (Schwab, AssetMark, Schwab Marketplace) to provide diversified manager and model options.

Noteworthy structural features include an integration with Wealth.com — an online estate‑planning platform available to IARs and clients with IARs having read‑only visibility — and recent strategic arrangements and capital relationships disclosed in the brochure, such as a referral/promoter arrangement with Capital Group, an investment by AssetMark Trust, and a forgivable loan from United Planners’ Financial Services of America associated with a broker‑dealer transition. The firm also discloses shared back‑office and technology relationships with Dynamic and a prominent role as both promoter/solicitor and co‑advisor across multiple third‑party platforms, arrangements the brochure identifies as creating conflicts that PFG says it manages through fiduciary obligations and disclosure.