MD Advice Financial

MDAdvise Financial provides investment advice, comprehensive financial planning, and insurance solutions to individuals and high-net-worth clients, and may implement portfolios through tactical and strategic model allocations, separately managed accounts, or by recommending unaffiliated External Managers. The firm’s brochure notes it was newly formed and, as of January 19, 2024, did not manage client assets.

The firm’s investment approach emphasizes asset allocation calibrated to client risk tolerances, using both fundamental and quantitative analysis and outside research to inform strategic rebalancing and more active tactical models; MDAF can provide discretionary management or oversee External Managers and monitor their performance. It also describes operational practices for trading and custodial relationships intended to seek best execution and to allow aggregation of trades where feasible.

What distinguishes MDAF from many managers in this category is its mix of fee arrangements and business activities: in addition to percentage-of-AUM advisory billing, the brochure discloses flat fees for financial planning and that supervised persons receive commissions from insurance sales, and it identifies steps taken to disclose and limit conflicts (for example, not charging the advisory fee on insurance products). The firm is small and owner-operated with a single advisory principal and no AUM at the time of the filing, a profile that differs from larger, institutional-focused investment managers.