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Your Choice Financial LLC

Updated today

Client assets under management

$39,681,691

Clients

126

12% high-net-worth

Advisors

6

of 6 employees

Firm type

Team

5-30 advisors or >$500M in AUM

Clients per advisor

21

Very Low

Average account size

$314,934

About

Your Choice Financial LLC provides investment advisory and financial planning services to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, and business entities. Services described in the brochure include ongoing discretionary and non‑discretionary portfolio management, pension consulting, and written financial plans delivered via RightCapital; the firm uses asset‑based fees and reports no account minimum.

YCFL documents client goals and constraints in individualized Investment Policy Statements and typically seeks discretionary trading authority to implement long‑term strategies. Its stated methods include charting, cyclical analysis, modern portfolio theory, and quantitative analysis, with quarterly account reviews and ad hoc reviews triggered by material market or client events.

Distinctive features noted in the brochure include a multi‑office structure (six offices in the firm profile) that is uncommon for firms of comparable size, and multiple supervised persons who are licensed insurance agents and engage in outside insurance businesses; the firm discloses these activities, related conflicts of interest, and policies for periodic review and disclosure. The brochure also discloses that YCFL may direct clients to third‑party advisers (e.g., Synergy Asset Management LLC and Canton Hathaway LLC) under fee‑sharing arrangements and requires clients to custody assets at Charles Schwab & Co., Inc.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Annuities

Occupation focus

Doctor or Medical Professional Self-Employed

Demographic focus

Established Professionals

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Fee options

Fixed

Financial planning fixed fees range from $600 to $20,000 based on complexity

Percentage

$0 - $1,000,000: 1.50% $1,000,001 - $2,000,000: 1.40% $2,000,001 - $5,000,000: 0.80% $5,000,001 - $10,000,000: 0.60% $10,000,001+: Negotiable

Main office location

Your Choice Financial LLC

St. Cloud FL, United States

Number of offices

6

Most active in

Alabama · California · Connecticut · Florida · Maine · Nevada · New York · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Arthur Z

Series 63, Series 65

St. Cloud, FL

Your Choice Financial LLC

Arthur Zapesochny is a financial advisor with Your Choice Financial LLC in St. Cloud, Florida, holding Series 63 and Series 65 licenses and 16 years of industry experience. His prior roles include positions at Ameriprise Financial and AXA Advisors. Outside of advising, he is an owner of Gold Sky Benefits, a health insurance brokerage, and serves as secretary on the board of the Santa Barbara homeowners association and as a board member of the University of Rochester alumni association. Your Choice Financial LLC provides portfolio management, financial planning, and pension consulting services to individuals, pension plans, and business entities. The firm manages approximately $37 million across 111 client accounts, employing a long-term, diversified investment approach that integrates charting, cyclical analysis, modern portfolio theory, and quantitative techniques.

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Annuities Doctor or Medical Professional Self-Employed Established Professionals
user avatar

John S

Series 63, Series 65

Orlando, FL

Your Choice Financial LLC

John San Filippo is a financial advisor at Your Choice Financial LLC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Ruggieri Wealth Advisors and MassMutual Life Insurance. Outside of his advisory role, he is involved in soccer coaching with the Orlando City Lake Nona Soccer Club and is a partner in an accounting firm. Your Choice Financial LLC provides portfolio management, financial planning, and pension/401(k) consulting to individuals, pension plans, and business entities. The firm manages approximately $37 million across 111 client accounts, employing a diversified investment approach that combines technical analysis, modern portfolio theory, and quantitative methods.

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Annuities Doctor or Medical Professional Self-Employed Established Professionals
user avatar

Sebastian E

Series 63, Series 65

St. Cloud, FL

Your Choice Financial LLC

Sebastian Elliot is a financial advisor with Your Choice Financial LLC, holding Series 63 and Series 65 licenses and five years of industry experience. His previous roles include positions at Mid American Wealth Advisory Group Inc. and ReJoyce Wealth Management LLC. Outside of his advisory work, he is the CEO of Enlighten Interactive LLC, a software development company, and serves as a finance tutor for Wyzant.com. Your Choice Financial LLC offers portfolio management, financial planning, and pension consulting services to individuals, pension plans, and business entities. The firm manages diversified portfolios using a combination of technical and quantitative strategies and operates across multiple offices with affiliations that include accounting and third-party advisory firms.

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Annuities Doctor or Medical Professional Self-Employed Established Professionals
user avatar

Stephanie E

Series 63, Series 65

Commack, NY

Your Choice Financial LLC

Stephanie Ethe is a financial advisor at Your Choice Financial LLC with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Prudential Insurance Company of America and New York Life. Outside of her advisory role, she is a life coach, a registered social security analyst, a book author, and a senior leader for Robbins Research Inc. Your Choice Financial LLC provides portfolio management, financial planning, and pension/401(k) consulting to individuals, pension plans, and business entities. The firm manages diversified portfolios using a combination of charting, cyclical analysis, modern portfolio theory, and quantitative techniques, with an emphasis on long-term trading.

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Annuities Doctor or Medical Professional Self-Employed Established Professionals
user avatar

Larry M

ChFC®, Series 63, Series 65

Dix Hills, NY

Your Choice Financial LLC

Larry McGrory is a financial advisor at Your Choice Financial LLC with 30 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior experience includes roles at Mass Mutual Life Insurance Co, Eagle Strategies LLL, and New York Life Insurance Company. Outside of advising, McGrory serves as a board member of the SUNY Cortland Alumni Association, teaches adult education courses on long-term care and estate planning, and is involved in providing guidance through the Vesta Divorce Long Island Hub. Your Choice Financial LLC provides portfolio management, financial planning, and pension/401(k) consulting to individuals, pension plans, and business entities. The firm manages diversified portfolios using a combination of charting, cyclical analysis, modern portfolio theory, and quantitative techniques, emphasizing long-term trading and tailoring plans to clients’ objectives and risk tolerance.

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Annuities Doctor or Medical Professional Self-Employed Established Professionals
user avatar

Jeffrey F

Series 65

Las Vegas, NV

Your Choice Financial LLC

Jeffrey Fiore is a Series 65-licensed financial advisor with seven years of industry experience. He is currently with Your Choice Financial LLC and has previously worked at Horter Investment Management, Gradient Advisors, and NLS Insurance. Fiore also owns Fiore Wealth Management Group, which operates as a DBA for his insurance and financial activities. Your Choice Financial LLC provides portfolio management, financial planning, and pension/401(k) consulting to individuals, pension plans, and businesses. The firm manages approximately $37 million across 111 client accounts, employing a diversified investment approach that includes charting, cyclical analysis, modern portfolio theory, and quantitative techniques.

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Annuities Doctor or Medical Professional Self-Employed Established Professionals
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