Samuels Financial Services, Inc.

The firm provides investment advisory and financial planning services to individuals, pension and profit‑sharing plans, trusts, estates, and other business entities, and also offers accounting and tax preparation services. It advises on equities, municipal securities, certificates of deposit, mutual funds and variable insurance products, and, like many independent advisers, offers percentage‑of‑AUM engagements as well as hourly or commission arrangements and participates in a sponsored web‑based asset allocation Program with custody through Pershing.

The adviser describes a four‑step process — analyze the client’s goals and current portfolio, design a diversified allocation, implement selected managers and investments, and monitor performance — and prepares financial plans using advanced planning software and scheduled client reviews. The Program uses third‑party tools (Ibbotson Associate) for asset allocation and can be managed either on a discretionary basis or limited to maintenance of an agreed allocation, with reporting and fee debits handled through the program infrastructure.

The brochure reports a notably large client load for a solo independent practice — including over 200 clients and significant discretionary assets at year‑end 2025 — a structure that is uncommon among peers. The adviser is also a certified public accountant and operates as a registered representative of a broker‑dealer and an insurance agent, with accounting/tax work accounting for roughly 25% of time and the potential for commission and 12b‑1 compensation that can result in mixed discretionary and non‑discretionary client relationships.