Stawnychy Financial Services, Inc.

Stawnychy Financial Services provides fee-based investment advisory and comprehensive financial planning to individuals (including high-net-worth clients), small businesses, charitable organizations, and municipal governments. The firm also offers qualified retirement plan consulting and manages portfolios for both wrap-fee and non-wrap-fee accounts.

The advisor delivers discretionary, custom portfolio management that emphasizes a tactical allocation strategy intended to reduce risk and seek improved performance, with the ability to rebalance, hold cash as a hedge, or buy specific stocks to adjust sector weightings or dividend exposure. It uses a broad set of instruments — including exchange-listed equities, mutual funds (including liquid alternatives), municipal securities, corporate debt, variable annuities, and options — and employs both fundamental and technical analysis as part of its process.

Noteworthy features for a firm of this size include serving municipal government clients and providing ERISA Section 3(38) retirement-plan management, services that are relatively uncommon among peers. The firm also acts as a wrap-fee program manager while its personnel are licensed insurance agents who may recommend insurance products (and receive customary commissions), and a firm principal at times serves as trustee on client accounts, which subjects the firm to additional custody compliance requirements.