Tangent Financial

Tangent Financial provides financial planning, retirement-plan advice, and discretionary portfolio management to individual and high-net-worth clients. The firm bills on a percentage-of-assets-under-management basis and delivers written financial plans and periodic investment advice covering a wide range of instruments, from ETFs and equities to alternatives, annuities, options and digital currencies.

The firm’s investment process blends fundamental, technical, cyclical and charting analyses and uses Modern Portfolio Theory as a framework while explicitly incorporating scenario analysis and stress testing to address tail-risk concerns. Strategies are customized to client objectives and can include strategic and tactical asset allocation, core‑and‑satellite construction, dynamic adjustments, and the allowance of reasonable client constraints on holdings.

Noteworthy features for this small, solo‑practitioner advisory firm include a very limited client base and modest assets under management, delivery of services principally by a single owner who serves as the firm’s CIO/CCO and who is a CFA charterholder, and a disclosed outside employment commitment that the firm says is managed through internal policies to mitigate conflicts. The firm also relies on a third‑party operational and custody partner and discloses a preferred custodian relationship while offering active strategies that may include less‑common holdings (for example, digital currencies and leveraged/inverse ETF considerations) subject to suitability.