Powerhouse Financial Advisors, Inc.

Powerhouse Financial Advisors offers discretionary portfolio management and financial planning to individuals, families, trusts, corporations, and employer-sponsored retirement plans. Services include tailored investment management using equities, fixed income, mutual funds and ETFs, access to SEI sub-advised model programs, retirement-plan consulting (including 401(k), Cash Balance plans, SDBA and PCRA services), and administration of variable annuity contracts.

The firm builds diversified, asset-allocation portfolios informed by fundamental and technical analysis and implements long-term, income, growth, or conservative strategies to match client objectives and risk tolerance. PHFA routinely uses third-party managers and platforms—monitoring SEI model portfolios and managing SDBA accounts that invest in Howard Capital Management funds—and generally accepts discretionary authority to execute and rebalance client accounts.

Notable aspects that differentiate the firm include multiple ongoing commercial arrangements that create layered costs and potential conflicts of interest: PHFA receives revenue sharing from the SEI program, manages SDBA accounts using HCM-affiliated mutual funds while also referring plan participants to HCM under a solicitor agreement, and has an onboarding arrangement with an insurance carrier allowing advisory fees to be disbursed from variable annuity contract values. The firm's principal is a licensed insurance agent and PHFA also engages a third‑party recordkeeper for retirement-plan work; the firm documents PTE 2020-02 analyses and provides solicitor disclosures to address these relationships.