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Your Choice Financial LLC

Updated today

Client AUM

$48,613,541

Clients

131

Advisors

6

across 5 offices

About

Your Choice Financial LLC provides portfolio management, financial planning, pension (401(k)) consulting, and selection of third‑party advisers to individuals (including high‑net‑worth clients), pension plans, and business entities. The firm also offers written financial plans delivered via Right Capital and periodically hosts educational seminars and workshops that may lead to follow‑up consultations.

YCFL documents client objectives and constraints in an Investment Policy Statement and offers both discretionary and non‑discretionary management, generally pursuing a long‑term strategic trading approach supplemented by tactical decisions when suitable. Its methods include charting, cyclical analysis, modern portfolio theory and quantitative analysis, and it uses a wide range of instruments (mutual funds, ETFs, equities, fixed income, REITs, derivatives and private funds) while directing clients to custody with a qualified custodian.

What is noteworthy about YCFL compared with many peers is its multi‑office footprint and range of outside affiliations: the firm operates from six offices with a small advisory team, and several supervised persons are also licensed insurance agents or run separate insurance and consulting businesses. The brochure also discloses fee‑sharing arrangements with third‑party managers (for example, Synergy Asset Management LLC and Canton Hathaway LLC) and describes policies to disclose and manage the resulting conflicts of interest.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Retirement income strategy Social Security optimization General tax planning Annuities Wealth management

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Fee options

Fixed

Fixed fees for financial planning range from $600 to $20,000 based on plan complexity.

Percentage

$0 - $1,000,000: 1.50% $1,000,001 - $2,000,000: 1.40% $2,000,001 - $5,000,000: 0.80% $5,000,001 - $10,000,000: 0.60% $10,000,001+: Negotiable

Main office

See office

St. Cloud FL

Advisors at this office

2

Most active in

Alabama · California · Connecticut · Florida · Maine · Nevada · New York · Texas

Also doing business as

Fiore Wealth Management Group · Terry Morton Wealth Advisors LLC · Your Choice Financial LLC

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Arthur Z

Series 63, Series 65

St. Cloud, FL

Your Choice Financial LLC

Arthur Zapesochny is a financial advisor with Your Choice Financial LLC, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has previously worked at Ameriprise Financial and AXA Advisors. Outside of his advisory role, he serves as Secretary on the Board of Directors for the Santa Barbara community association and is a board member of the University of Rochester alumni association. Your Choice Financial LLC provides portfolio management, financial planning, and pension consulting services to individuals, pension plans, and business entities. The firm employs a long-term strategic trading approach enhanced by tactical decisions and uses a variety of investment methods and instruments across its multiple offices.

Retirement income strategy Social Security optimization General tax planning Annuities Wealth management
user avatar

John S

Series 63, Series 65

Orlando, FL

Your Choice Financial LLC

John San Filippo is a financial advisor with Your Choice Financial LLC, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has held roles at multiple firms, including MML Investor Services and MassMutual Life Insurance, and currently is involved with several insurance-related businesses. Outside of advising, he coaches soccer for the Orlando City Lake Nona Soccer Club and is a partner in an accounting firm. Your Choice Financial LLC serves individuals, pension plans, and business entities by providing portfolio management, financial planning, and pension consulting. The firm employs a long-term strategic trading approach supplemented by tactical decisions, utilizing diverse analytical methods and investment instruments across multiple offices.

Retirement income strategy Social Security optimization General tax planning Annuities Wealth management
user avatar

Sebastian E

Series 63, Series 65

St. Cloud, FL

Your Choice Financial LLC

Sebastian Elliot is a financial advisor with Your Choice Financial LLC in St. Cloud, FL, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at several firms, including Mid American Wealth Advisory Group Inc. and ReJoyce Wealth Management LLC. Outside of advisory work, he serves as CEO of Enlighten Interactive LLC, a software development company, and tutors finance on Wyzant.com. Your Choice Financial LLC provides portfolio management, financial planning, and pension consulting services to individuals, pension plans, and business entities. The firm employs a strategic investment approach that incorporates modern portfolio theory, quantitative analysis, and other methods, offering both discretionary and non-discretionary management through multiple offices.

Retirement income strategy Social Security optimization General tax planning Annuities Wealth management
user avatar

Stephanie E

Series 63, Series 65

Commack, NY

Your Choice Financial LLC

Stephanie Ethe is a financial advisor with Your Choice Financial LLC, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. Her prior experience includes roles at Purshe Kaplan Sterling Investments, Prudential Insurance Company of America, and New York Life. Outside of her advisory work, she is a life coach, registered social security analyst, book author, and senior leader with Robbins Research Inc. Your Choice Financial LLC provides portfolio management, financial planning, and pension consulting to individuals, pension plans, and business entities. The firm employs a long-term strategic approach supplemented by tactical decisions, utilizing a broad range of investment instruments and operating across multiple offices with an emphasis on both advisory and insurance-related services.

Retirement income strategy Social Security optimization General tax planning Annuities Wealth management
user avatar

Larry M

ChFC®, Series 63, Series 65

Dix Hills, NY

Your Choice Financial LLC

Larry McGrory is a financial advisor at Your Choice Financial LLC with over 31 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 registrations. His prior roles include positions at Mass Mutual Life Insurance Co, Eagle Strategies LLLC, and New York Life Insurance Company. Outside of advising, McGrory is involved in continuing education as a proctor and instructor for insurance agents, serves as a board member of the SUNY Cortland Alumni Association, and teaches adult education courses on long-term care, estate planning, and social security. Your Choice Financial LLC serves individuals, pension plans, and business entities with portfolio management, financial planning, and pension consulting. The firm pursues a long-term strategic investment approach supplemented by tactical decisions, employing various analytical methods and a wide range of investment instruments, while operating across multiple offices with a small advisory team.

Retirement income strategy Social Security optimization General tax planning Annuities Wealth management
user avatar

Jeffrey F

Series 65

Las Vegas, NV

Your Choice Financial LLC

Jeffrey Fiore is a financial advisor at Your Choice Financial LLC with seven years of industry experience. He holds a Series 65 designation and has previously worked at Horter Investment Management, Gradient Advisors, and NLS Insurance. Fiore also operates Fiore Wealth Management Group and has a long-standing connection with Herbalife International through an independent distributorship. Your Choice Financial LLC provides portfolio management, financial planning, and pension consulting services to individuals, pension plans, and business entities. The firm employs a long-term strategic investment approach combined with tactical decisions and utilizes a variety of analytical methods and investment instruments across its six-office footprint.

Retirement income strategy Social Security optimization General tax planning Annuities Wealth management
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