Phil Advisors LLC

PhilAdvisors LLC is a registered investment adviser that provides discretionary investment management and ongoing advisory services to nonprofit organizations, foundations, and charitable entities (501(c)(3)). Services include portfolio monitoring, regular performance reporting, and the development/documentation of an Investment Policy Statement tailored to each organization’s mission and cashflow needs; the firm does not offer non-discretionary accounts.

The firm’s process is rules-based and driven by an online platform (WithPhil.com) that collects organizational financial data and runs an automated liquidity-needs analysis to recommend one of several model-based strategies: a short-term liquidity approach (cash equivalents and money-market instruments), a long-term growth allocation (public equities, fixed income, and, where appropriate, private market investments), or an ESG-integrated strategy. Phil implements these recommendations using third‑party model portfolios selected after due diligence rather than proprietary investment models, and it combines third‑party ESG research with its own scoring in ESG-focused allocations.

Several features distinguish Phil from many peers: as of November 14, 2025 the firm reported no assets under management and had not yet commenced discretionary management for any clients, it requires clients to custody assets at Apex Clearing Corporation (a directed brokerage arrangement), and it deducts fees directly from client accounts while following California safeguards such as concurrent invoicing. The firm’s emphasis on automated liquidity forecasting for nonprofit cashflow planning, reliance on vetted external model portfolios, and explicit procedures for documenting client-imposed investment restrictions are notable operational characteristics.