The Buffalo Financial Group LLC

The Buffalo Financial Group serves individuals, including trusts, estates, and high‑net‑worth clients, offering ongoing portfolio management together with integrated financial planning. The firm documents client goals and risk tolerances in an Investment Policy Statement and charges asset‑based advisory fees for supervisory services.

The firm’s investment approach centers on asset allocation and multi‑factor analysis, using multi‑factor regressions to target exposures such as size, value and profitability in equities and term, default and currency in fixed income. Implementation emphasizes low‑cost, tax‑efficient strategies and disciplined rebalancing, and the firm operates primarily on a non‑discretionary basis (reporting approximately $17.5 million in non‑discretionary AUM and no discretionary AUM) while retaining the ability to engage sub‑advisors that may access private equity, private credit, hedge funds and other alternatives.

Noteworthy for a solo independent adviser, the firm’s largely non‑discretionary model and explicit use of sub‑advisors for alternative strategies distinguish it from many peers. The firm’s principal also serves as director of investment services for a nonprofit endowment and devotes significant time to overseeing third‑party managers, bringing institutional manager oversight experience to client engagements.