Professional Financial Services, Inc.

Professional Financial Services provides financial planning and advisory services to individuals, high‑net‑worth clients, profit‑sharing plans and business entities, and arranges investment management through select third‑party money managers. The firm documents client objectives through a multi‑interview planning process and acts as a liaison to TPMMs, delivering TPMM disclosures and reviewing program performance on an ongoing basis.

The firm’s investment approach favors long‑term strategies and asset‑class diversification, with recommendations tailored to clients’ objectives, risk tolerance and after‑tax considerations. PFS does not accept discretionary trading authority for client accounts and generally relies on third‑party managers to implement and manage assets when a managed program is selected.

Noteworthy for a firm in the investment manager category, the firm’s principal performs advisory work while also operating as a registered representative and licensed insurance agent, and the firm receives both advisory payments from TPMMs it recommends and commissions from insurance product sales. The brochure also discloses that financial planning is offered on hourly and fixed‑fee bases, that written agreements exist with named TPMMs (Morningstar Managed Portfolios, Manning & Napier, Frontier Asset Management and AssetMark), and that policies such as fiduciary obligations, client choice and fee limits are used to address potential conflicts of interest.