Phil A. Younker & Associates, Ltd.

Phil A. Younker & Associates provides discretionary portfolio management and wealth-planning services to individuals (including high-net-worth families), pension and profit-sharing plans, estates, trusts, charitable organizations, and businesses. The firm reports managing approximately $202 million for about 113 clients, offers multigenerational wealth planning coordinated with clients’ legal and accounting advisors, and does not impose a minimum account size.

The firm primarily practices passive investment management using index mutual funds and exchange-traded funds, while also employing fundamental and technical analysis and referring clients to third-party outside managers when appropriate. PY&A conducts periodic reviews of accounts and outside managers, monitors manager holdings, concentrations and compliance, and delivers performance evaluations at least annually with quarterly account reviews.

Notable features disclosed in the brochure include a fee-sharing arrangement with outside managers (disclosed as a potential conflict of interest) and the availability of fixed-fee multigenerational planning services, which may be negotiated or waived for clients with significant assets managed by the firm. The adviser maintains limited custody only for fee withdrawal, uses standing letters of authorization for certain transfers, does not vote client proxies, and operates with a two-advisor team-based approach for client continuity.