SRL Financial

The firm provides wealth management and financial planning services to individuals and high‑net‑worth clients, delivering ongoing investment management alongside comprehensive planning on topics such as cash flow, retirement, estate planning, tax strategies, business planning, college savings, insurance, and risk management. Services include developing an investment policy and asset allocation targets and may cover advice on existing holdings and transfers to selected custodians.

The firm’s investment approach combines Modern Portfolio Theory with a mix of passive and active strategies and employs fundamental, technical, cyclical, and charting analyses when appropriate, with portfolios composed of stocks, bonds, mutual funds, ETFs, municipal securities and cash equivalents, and potential cryptocurrency exposure in some client situations. Accounts may be managed on a discretionary or non‑discretionary basis per client agreement, and the firm does not charge performance‑based fees.

Distinctive aspects of the firm include its recent formation and reporting of no assets under management at the time of the ADV filing, and a fee‑only pricing model that uses a fixed annual schedule tied to client net worth and income rather than a percentage of AUM, which is atypical for peers. The brochure also highlights an institutional custody/platform orientation (recommending Schwab or Altruist), formal compliance oversight and a Code of Ethics, and operational choices such as not aggregating trades into block orders and not voting client proxies.