True Path Financial LLC

True Path Financial LLC is a small advisory firm founded in 2025 with two advisors that offers discretionary asset management through a sub-advisor relationship with Focus Partners, variable annuity management, ERISA 3(21) retirement plan services, and tiered financial planning engagements. The firm’s most recent filing reports no clients and no assets under management, though the brochure describes services for individuals, corporations, and retirement plans.

The firm typically operates on a discretionary basis, delegating trade execution and model implementation to Focus Partners while retaining the client relationship and authority to hire or replace sub-advisors; its stated methods include fundamental and technical analysis and may encompass long- and short-term strategies and option writing. Account reviews are conducted at least quarterly, clients may impose written investment restrictions, and the firm requires custody and execution through specified custodians (Charles Schwab or Fidelity).

True Path Financial discloses that both principals maintain active insurance businesses and that advisors are licensed to sell insurance products; the firm offers variable annuity management and acknowledges potential commission-related conflicts of interest that it says are mitigated by disclosures and fiduciary duties. Its reliance on a sub-advisor for trading combined with offering ERISA 3(21) plan services and currently reporting no clients or AUM makes its operating model and revenue sources notably different from many peers.