Berets Financial Services LLC

Overview

Berets Financial Services LLC is a small independent RIA focused on individual and family clients, offering financial planning and portfolio management alongside insurance brokerage services. The firm leans heavily toward equity exposure, using exchange-traded equities as its primary vehicle for client portfolios while supplementing those holdings with mutual funds, corporate debt and annuity products when appropriate. Fee arrangements are flexible — the firm charges a percentage of assets under management, and also offers hourly and fixed-fee engagements — which suits smaller accounts and discrete planning engagements. Investment activity centers on liquid, market-traded instruments for core allocations, with a limited program of third-party alternative investments for diversification and income. Berets Financial Services LLC does not position itself as an ESG-focused adviser, and it is not a multi-state adviser or a capital allocator. Business relationships noted include ties to an accountant and an insurance company, reflecting the firm’s hybrid advisory and insurance-broker role.

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Public Holdings

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Location & Offices