Ric Komarek, CFP

The firm provides comprehensive financial planning, consulting, and investment advice to individuals, families, and business owners, and also accepts pension and profit‑sharing plan clients in addition to retail households. It is an independent, state‑registered advisory practice managing a modest asset base across a limited number of relationships.

The adviser operates under a fiduciary standard and delivers non‑discretionary investment guidance, constructing diversified portfolios that emphasize index funds and dividend‑paying stocks and aligning allocations to each client’s risk/return profile. The firm generally avoids frequent trading, explains risks and fees, and obtains client approval before executing trades or implementing plan changes.

What distinguishes the firm among independent solo advisers is a mix of ancillary activities: it is licensed to sell life and health insurance on a commission basis, provides educational seminars (including community college classes), and receives compensation from a third‑party technology provider for offering cash and securities‑backed lending solutions. These business activities, together with its primarily non‑discretionary management approach, are disclosed as potential conflicts of interest and are periodically reviewed.