PSC Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$119,481,963
Clients
108
Advisors
2
of 3 employees
About
PSC Financial is a small registered investment adviser with two advisors managing about $135 million for roughly 108 clients, serving individuals (including high-net-worth clients), trusts, estates, charitable organizations, corporations and pension/profit-sharing plans. The firm provides discretionary investment management, comprehensive wealth management, financial planning and retirement plan consulting tailored to each client engagement.
The firm manages all assets on a discretionary basis and constructs portfolios using mutual funds, ETFs, individual equities and debt, REITs, ETNs and, where appropriate, variable annuities or privately placed securities; it also may allocate portions of client portfolios to independent managers. PSC Financial combines fundamental and technical analysis, monitors accounts continuously with at least quarterly reviews, and tailors allocations to clients’ risk tolerance, time horizon and liquidity needs.
Several operational features distinguish PSC Financial from many peers: its supervised persons act in dual capacities as registered representatives of LPL Financial and as licensed insurance agents and may implement commission-based brokerage or insurance transactions alongside advisory services, with fee-offset arrangements for certain ERISA accounts disclosed to clients. The firm’s small two-advisor structure includes CFP designees and principals with legal and accounting credentials, it operates an OSJ relationship with LPL and it commonly advises on or manages “held‑away” assets and insurance‑based products—services that are less common among similarly sized supported advisers.
Client services
Expertise
Fee options
Financial planning and consulting fixed fees generally range from $1,500 to $5,000
0.50% – 1.50% annually (investment management fee varies by size and portfolio composition)
Certain supervised persons offer commission-based securities brokerage and insurance products under separate arrangements
Financial planning and consulting hourly fees generally range from $250 to $500 per hour
Minimum fee: Financial planning fixed fees generally range from $1,500 to $5,000; hourly fees generally range from $250 to $500 per hour Fee-only: Financial planning and consulting fees on fixed or hourly basis; investment management based on AUM
Main office
7900 International Drive, Suite 1075
Bloomington MN 55425
Advisors at this office
2
Most active in
Minnesota
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Howard P
CFP®, Series 63, Series 65
Bloomington, MN
PSC Financial LLC
Howard Pakola is a CFP® professional with 34 years of industry experience. He is currently with PSC Financial LLC, where he has worked since 2014, and has concurrently been associated with LPL Financial since 1995. Pakola is also involved in selling non-variable insurance products, including fixed life, disability, and long-term care insurance. PSC Financial serves individual clients, including high-net-worth households, as well as institutional and fiduciary clients such as retirement plans, trusts, and charitable organizations. The firm provides discretionary investment management alongside comprehensive financial planning and retirement-plan advisory services, employing a mix of fundamental and technical analysis across various asset classes.
Tracy T
CFP®, Series 63
Bloomington, MN
PSC Financial LLC
Tracy Torland is a CFP® professional with 20 years of industry experience, currently serving at PSC Financial LLC since 2014. She also has been affiliated with LPL Financial since 2005. PSC Financial LLC serves individual clients, including high-net-worth households, as well as institutional and fiduciary clients such as retirement plans, trusts, and charitable organizations. The firm provides discretionary investment management alongside financial planning and consulting, customizing portfolios with a range of investment vehicles and employing both fundamental and technical analysis.
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