Naples, FL Office

Tilson Financial Group serves individuals, trusts, charitable organizations, pension and profit-sharing plans, and business entities, delivering discretionary and non-discretionary investment management, financial planning (including retirement, tax, estate, education, and death/disability planning), and retirement plan consulting. The brochure notes ongoing responsibility for security selection and the availability of sub‑advisory arrangements and custodial platforms for client accounts.

The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes globally diversified, multi‑asset class portfolios built primarily with mutual funds and ETFs, with asset allocation, diversification, and rebalancing as core elements. TFG may place portions of client assets with independent managers or SMA managers, monitors those managers, and uses custodial platforms (SEI, Schwab, AXOS) that provide reporting and, in SEI’s case, quarterly rebalancing.

Compared with many team firms, TFG discloses a wrap‑like practice of bundling its advisory fee with fees of separately managed account managers for some clients while stating it does not participate in custodian‑sponsored wrap programs, and outside data note an affiliation with an accounting firm — both arrangements that are less common among peers. The brochure also highlights operational distinctions such as use of SEI/Schwab/AXOS institutional services, custodian billing for fees, and limited use of AI for meeting transcription and marketing (explicitly not used for investment decisions), which affect how the firm delivers and documents advice.