Grey Kirwan Financial

Grey Kirwan Financial provides discretionary portfolio management and financial planning primarily for individuals and families, and may also work with foundations, charitable organizations, trusts, and small businesses. Services described in the brochure include comprehensive financial planning and consulting, implementation of diversified portfolios, and the option to engage third‑party money managers for portions of client assets.

The firm’s investment process emphasizes fundamental analysis and a generally buy‑and‑hold asset allocation approach across equities, fixed income, ETFs, options, structured notes, cash, and other instruments. The brochure discloses that the firm may delegate management to third‑party managers, monitors those managers’ performance, and retains authority to hire or dismiss them; it also notes fee‑sharing arrangements with such managers and states selection is made with client objectives in mind.

Noteworthy for a firm of this size, the managing member is a licensed insurance agent who may sell insurance products in a personal capacity and receive commissions, a potential conflict disclosed in the ADV. The firm also offers standalone financial planning engagements billed on a fixed or hourly basis and discloses an outside administrative consulting activity for an unaffiliated adviser that occupies a portion of the principal’s time.