Focus Advisory, Ltd.

Focus Advisory, Ltd. d/b/a Focus Trustee provides discretionary investment management, wealth management and financial planning services to individuals, trusts, and estates, and also offers trustee and custodial services. Although the firm states a typical minimum relationship size of $1,000,000, its Form ADV reports $402,000 in discretionary assets and currently lists no individual clients on the ADV.

The firm’s investment process combines Modern Portfolio Theory with fundamental analysis to build largely long‑term portfolios that emphasize ETFs and low‑cost, diversified mutual funds, while retaining flexibility to hold individual stocks or bonds and to trade for rebalancing or tax reasons. Focus Trustee implements strategies through qualified custodians and routinely evaluates legacy holdings for fit and tax considerations as part of ongoing portfolio oversight.

Distinctive features include the firm’s ability to serve as trustee for client accounts — a role that places it in a custodial position subject to an annual surprise examination and a separate trustee fee schedule — and the principal’s cross‑disciplinary background (CPA/PFS, CFP certification and a law degree) and recent institutional trustee experience, which inform fiduciary and tax/legal considerations in its advice. The advisor maintains an institutional relationship with a major custodian (Schwab) and receives related economic benefits, which the firm discloses and that may influence custody recommendations.