Champion Financial Inc.

Champion Financial, Inc. is a small, independent registered investment adviser that serves individual and high‑net‑worth clients through financial coaching, investment and financial planning. The firm delivers planning on an hourly basis and says typical engagements (retirement, insurance, estate) run one to four hours, with implementation handled either by the client or through a recommended third‑party money manager.

The firm’s investment approach is grounded in Modern Portfolio Theory and the Efficient Market Philosophy, emphasizing broad diversification and avoiding individual security selection or market timing. Champion describes its role as developing asset allocation recommendations, monitoring rebalancing and using portfolio analysis tools (including Morningstar Principia and Dimensional returns software) while leaving day‑to‑day trading and custody to an external manager and custodian.

Noteworthy aspects relative to peers include Champion’s exclusive reliance on a single third‑party RIA to implement its strategies rather than directly managing client accounts, and its model of short, hourly coaching engagements coupled with outsourced portfolio management. The firm also does not take custody of client assets, does not vote proxies on behalf of clients, and relies on custodial and third‑party reporting rather than producing its own regular account reports.