Torres Financial Services, Inc.

Torres Financial Services provides wealth management services to individual and high‑net‑worth clients, combining asset management with financial planning and financial consulting; the firm reports managing about $83.2 million in client assets as of December 31, 2025. Its services cover discretionary and non‑discretionary portfolio management, modular or full financial plans, and consulting on both custodial accounts and “external” held‑away accounts.

The firm tailors advice and portfolio construction to each client’s objectives and allows reasonable client‑imposed restrictions, applying both fundamental and technical analysis with a primary emphasis on growth‑and‑income and value investing. Torres Financial Services’ stated strategies can include margin borrowing, options strategies (covered calls, protective puts, spreads) and use of leveraged or inverse ETFs in separately managed accounts, and the brochure outlines the associated risks and supervisory procedures.

Torres Financial Services is affiliated with a separate law practice operated by a firm principal, and the brochure discloses that legal services are offered through that independent law firm under separate agreements and fees, creating a potential conflict of interest the firm documents. The adviser also operates within a holding‑company structure that provides tax, bookkeeping, and real‑estate holding affiliates and is a licensed insurance agency, so referrals to sister companies are possible and require separate engagements and compensation.