Warren Financial, LLC

The firm advises individuals, high‑net‑worth clients, and pension or profit‑sharing plans, providing ongoing portfolio management, financial planning, and pension consulting for retirement plans (including plan sponsor guidance for 401(k) type arrangements). Services include the preparation of Investment Policy Statements, regular portfolio monitoring, and implementation of client-directed financial plans.

Its investment process combines fundamental and technical analysis with modern portfolio theory and employs strategies ranging from long‑term allocation to options trading, including covered and uncovered positions. The firm generally limits advice to mutual funds, fixed income, insurance products, ETFs (including precious‑metal ETFs), and TIPS, and typically manages client accounts on a discretionary basis under written IPS guidelines.

Compared with peers, the firm is notable for offering pension consulting and ERISA‑related fiduciary and non‑fiduciary services to plan sponsors — services that only a minority of similar independent advisers provide — and for sometimes presenting duplicate fund lineups in different share classes for plan selection. The firm’s principal also conducts licensed insurance activity and accepts compensation for insurance sales (a disclosed conflict of interest to consider when insurance products are recommended); the firm requires a designated custodian relationship and may have standing transfer authority for fee and transfer purposes.