Sullivan & Associates

Sullivan & Associates provides financial planning and investment advisory consulting for a mix of client types identified in its brochure — including pension and profit‑sharing plans, trusts, estates, charitable organizations, and corporations — rather than acting as a discretionary money manager. The firm emphasizes comprehensive planning across personal financial affairs, risk management, investment management, tax management and estate management, and may assist clients with implementation through affiliated broker‑dealer and insurance entities.

The firm describes an investment framework that references modern portfolio theory and combines strategic and tactical asset allocation with elements of technical analysis and long‑term trading, applying those methods as appropriate to each client engagement. Financial plans are created on a bespoke basis rather than through a standard planning tool, and the brochure notes the principal holds CFP, CFA and AIF designations that inform the firm’s advice and planning processes.

What distinguishes Sullivan & Associates from many peers in the investment‑manager category is its explicit affiliation with Raymond James and its insurance group and the principal’s dual role as a registered representative and insurance agent, which the brochure discloses can result in commission‑based compensation. The firm also uses hourly and fixed planning fees instead of percentage‑of‑AUM advisory pricing, reports no assets under management, does not take custody of client assets, and operates with a single self‑supervising advisory principal.