Strategic Financial, LLC

Strategic Financial provides financial planning, consulting, and discretionary investment management to individuals — including high-net-worth clients — as well as pension and profit-sharing plans, trusts, estates, charitable organizations and business entities. The firm offers hourly planning/consulting engagements in addition to ongoing portfolio management that primarily allocates among mutual funds, index funds and ETFs, and also advises clients on variable life/annuity products, employer-sponsored retirement plans and 529 plans.

The firm combines fundamental and technical analysis and employs a proprietary market assessment model that guides tactical adjustments (adding capital when the model signals oversold conditions and reducing exposure when it signals overbought conditions). Portfolios are tailored to each client’s risk tolerance and time horizon, managed primarily on a discretionary basis, and reviewed at least quarterly.

A relatively uncommon feature is the adviser’s affiliation with a Certified Public Accounting firm: the adviser’s principals also operate a separate CPA practice and may cross-refer clients for accounting and tax work, a relationship the firm discloses and for which it does not receive referral fees. The firm also notes that some supervised persons are licensed insurance agents who may sell insurance products in their individual capacities, and a small team (two advisors) manages roughly $64.7 million for about 181 clients, concentrating advisory and related professional services under a single ownership structure.