The Menard Financial Group, LLC

The Menard Financial Group works with individuals (including high-net-worth clients), trusts, employer retirement plans, and business entities. The firm offers wrap asset management, standalone financial planning and consulting, and retirement plan consulting, including a fee-based annuity program as part of its retirement services.

The firm manages discretionary portfolios primarily through wrapped accounts and may access third‑party separately managed account strategies from sponsors such as Cumberland Advisors, One Oak Capital, iCapital, Caz Investments, and Monarch Private Capital. Its investment process draws on multiple methods of analysis (fundamental, quantitative, technical and sector analysis) and asset-allocation approaches (strategic, dynamic, tactical and core-satellite), and it may employ margin, options and other derivatives in separately managed accounts when appropriate.

Distinctive features noted in the brochure include sponsorship of a wrap fee program, an affiliation with an insurance entity (The Life Insurance Advisory Group, LLC) that supports insurance distribution and fee-based annuity products, and a relatively small advisory team managing several hundred million in regulatory assets (the brochure reports $429,181,932 discretionary as of 12/31/2024). Those elements — a high assets‑per‑advisor profile, explicit use of borrowing and derivatives in SMAs, and integrated access to insurance/annuity solutions — are less common among similar supported firms and may present additional fiduciary and product‑selection considerations for prospective clients.