Bartley Financial Advisors, LLC

Bartley Financial Advisors, LLC, established in September 2000, offers personalized financial planning and investment management services to individuals, pension and profit sharing plans, trusts, estates, charitable organizations, and small businesses. The firm operates on a fee-only basis, providing advice on financial objectives, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. Clients maintain control of their assets, with BFA trading under limited power of attorney. The firm primarily invests in no-load or low-load mutual funds, exchange-traded funds, stocks, and bonds through discount brokerage firms. BFA's fee structure is based on a percentage of assets under management, with a minimum annual fee of $5,000. The firm does not charge performance-based fees and does not receive compensation from fund companies or brokerage firms. Investment strategies include strategic or tactical asset allocation based on value and momentum, with a focus on protecting client capital and adjusting to market conditions. BFA employs fundamental, technical, cyclical analysis, and technical trading models in its investment approach. The firm does not have any disciplinary history and maintains a Code of Ethics. BFA does not vote proxies on securities and does not disclose nonpublic personal information without client consent, ensuring confidentiality and security.