Girard Advisory Services, LLC

Girard Advisory Services, LLC, established in 1995 as Girard Partners, Ltd., is a fee-only registered investment advisor specializing in wealth management solutions for individuals, trusts, estates, and various entities. The firm offers investment management, financial planning, and retirement planning services. Girard emphasizes asset allocation and diversification in portfolio construction, utilizing domestic and international equities, fixed income investments, and cash equivalents. Clients can impose restrictions on account management and may have assets allocated to independent advisors based on specific criteria. The firm provides financial planning services separately from investment management, with fees starting at $5,000. Girard charges investment advisory fees based on a percentage of assets under management, with a tiered structure. The minimum investment requirement for wealth management clients is $350,000, but this may be waived under certain circumstances. Girard does not charge performance fees and does not act as a custodian for client assets. The firm does not vote proxies for clients and does not have any disciplinary history. Girard participates in referral programs and pays referral fees to promoters. The firm's brokerage practices involve recommending Charles Schwab & Co., Inc. as a custodian and participating in an institutional customer program. Clients receive quarterly statements and reports on account activity and performance. Girard manages accounts on a discretionary basis, with full authority to make investment decisions. Clients retain voting rights for their securities.