Vision Financial Services, Inc

Vision Financial Services is an independent, solo advisory firm that manages roughly $20.3 million for individuals, trusts, estates and charitable organizations, providing discretionary asset management and access to third‑party money managers. The firm primarily charges percentage‑of‑assets fees and delivers ongoing portfolio management and financial planning to a broad retail client base.

Investment programs are implemented under written investment policy statements and discretionary trading authority, with quarterly reviews, rebalancing and periodic non‑periodic reviews when circumstances change. The firm uses fundamental, technical and cyclical analysis and may place clients with third‑party money managers, which it monitors and for which it receives disclosed referral/solicitor fees while acting as liaison.

Noteworthy deviations from typical solo advisers include an unusually high client load (the brochure lists 218 clients for the single‑advisor firm) and a prior regulatory disclosure: a 2020 state order related to the sale of unregistered securities requiring $100,000 in restitution. The firm’s principal also maintains an insurance practice that consumes more than 30% of their time and can result in commission compensation, a potential conflict the brochure discloses and says is mitigated by fiduciary duties and the client’s ability to obtain products elsewhere.