Pmd Advisory

PMD Advisory serves individual clients, including both non‑high‑net‑worth and high‑net‑worth investors, providing written financial planning, ongoing portfolio management, retirement plan consulting and participant advisement, and access to third‑party and co‑advisory asset management programs. The firm offers both discretionary and non‑discretionary management and modular or full written financial plans tailored to client circumstances.

The firm combines fundamental and technical analysis in portfolio construction and typically uses mutual funds and ETFs, with allocations set to clients’ objectives and risk tolerance; PMD also selects and monitors outside managers and implements household‑level considerations when negotiating fees. PMD provides a range of retirement plan services, including benchmarking, fiduciary governance and the option to serve as an ERISA 3(38) investment manager or 3(21) adviser, and it periodically conducts educational seminars and workshops.

What is distinctive about PMD Advisory is its disclosure and use of predecessor‑firm performance in its materials, its operation as a licensed insurance agency and the dual registration of representatives as broker‑dealer registered reps (which can produce commission and 12(b)‑1 compensation), and its promoter/referral arrangements with third‑party managers that produce referral fees. As a small advisory team managing roughly $111.6 million for about 130 clients, the firm combines traditional planning and investment management with retirement fiduciary services and client education.