Trilogy Financial Solutions

Trilogy Financial Solutions provides investment advice and portfolio management with a focus on retirement planning, primarily implemented through Individual Retirement Accounts, and offers separate debt counseling and financial coaching programs. Services are tailored through a discovery process to develop individualized plans that reflect clients’ goals and time horizons.

The firm follows a long-term, buy-and-hold approach implemented mainly with mutual funds and ETFs, aiming for diversification across large-, mid-, and small-cap U.S. equities with a material allocation to international equities and a portion in fixed-income securities for short-term needs. Trading is generally executed on a regular monthly cadence rather than through market timing, and the advisor operates with discretionary authority subject to each client’s investment policy statement.

Operationally, the firm relies on a custodial and trading relationship with Altruist for custody, execution, and back-office support and uses research tools made available through that arrangement; it typically manages each client account separately and does not aggregate trades or vote client proxies. The brochure also discloses that the firm’s principal maintains substantial outside professional commitments, including full-time employment with a state agency and an environmental training business, which may occupy significant hours and overlap securities trading times.