Etzler Financial Advisors, LLC

The firm provides fee-only financial planning and consulting to individuals, families, trusts, and employers, including retirement and tax planning, investment advice, estate planning guidance, risk management, and retirement plan consulting with participant-level counseling and educational workshops. Services are delivered through project-based financial planning, ongoing subscription agreements, and hourly engagements; the firm does not sell financial products or accept commissions.

Investment services for individual clients are non-discretionary and client-directed, with trades implemented only after client approval and account reviews conducted on a client‑initiated basis rather than through continuous monitoring. Planning and subscription engagements are scoped by an “Allocated Time” model (with unused time banked for a limited period) and the firm generally recommends a globally diversified, long-term, largely passive approach while using manager selection or tactical adjustments when appropriate.

What is distinctive about the firm is its combination of primarily non‑discretionary individual advisory work with ERISA Section 3(38) discretionary fiduciary services for employer retirement plans — the firm reported approximately $5.5 million in plan assets managed under 3(38) authority — a mix that is uncommon among peers. The firm also departs from the common percentage‑of‑AUM model by relying on project, subscription, and hourly fees, and it coordinates estate‑document preparation through unaffiliated third‑party providers while offering on‑site participant counseling and workshops as part of its plan consulting.