Phibbs Financial

Phibbs Financial is a small independent registered investment adviser serving predominantly individual and high‑net‑worth clients, overseeing roughly $27 million across about 83 client relationships. The firm offers discretionary asset management, estate‑planning support (including assistance gathering information and coordinating outside estate‑planning providers), and implements portfolios using model portfolios available through the Altruist Model Marketplace.

The firm charges percentage‑of‑AUM advisory fees and constructs investment programs based on each client’s goals, time horizon, and risk tolerance, employing methods such as fundamental, technical, charting, and cyclical analysis as appropriate. Phibbs Financial conducts due diligence on any third‑party managers it uses, allows client‑imposed investment restrictions, and performs at least annual reviews of client accounts with more frequent monitoring as market conditions dictate.

Compared with many solo independent advisers, Phibbs Financial’s public materials reference third‑party ratings and include client testimonials, and the firm regularly offers educational seminars and workshops (priced at $50–$100 per household). The firm is also affiliated with an insurance business—insurance activities occupy a significant portion of the principal’s time and generate separate commission compensation—and it discloses and documents potential conflicts (and mitigation measures), including a limited program to subsidize portions of outside estate‑planning fees for certain advisory clients during the first year.