B.G. Kaserman & Associates L.L.C.

BGK Financial provides investment advisory and retirement income planning services to individuals and high‑net‑worth clients. It offers discretionary asset management and written financial-planning engagements, with advisory compensation based on a percentage of assets under management.

The firm constructs portfolios primarily from ETFs, bonds, and low‑cost mutual funds and generally pursues a long‑term, fundamental‑analysis approach with periodic rebalancing. BGK Financial frequently implements client strategies by recommending unaffiliated Independent Managers and uses an institutional relationship with a third‑party platform (Altruist’s Model Marketplace), while performing initial and ongoing oversight of those managers.

Notably, the advisor is also licensed to sell insurance products and may receive commission compensation for those sales, an arrangement the brochure identifies as a potential conflict of interest and states consumes a portion of the advisor’s time. The combination of an insurance affiliation and a formal practice of selecting and overseeing other advisers through an institutional platform are less common among peer investment‑manager firms and are disclosed as part of the firm’s operating model.