Directional Financial Services

Directional Financial Services, LLC, established in 2014 by Kenneth Smith, is a subsidiary of Empirical Financial Services, LLC. The firm specializes in providing portfolio management services through Institutional Intelligent Portfolios™ and for clients not involved in the program. Clients can expect a range of investment strategies managed by Directional, including ETFs and mutual funds. The firm operates under fiduciary standards, ensuring clients' best interests are prioritized. Directional charges an annual fee of 0.35% for clients in the Program and 0.50% for Non-SIIP Clients. The minimum investment required is $5,000, with a $50,000 minimum for tax-loss harvesting. The firm follows Modern Portfolio Theory, incorporating 7-11 asset classes in portfolios. Clients receive quarterly account reviews and have the option to grant discretionary authority. Schwab serves as the custodian and broker-dealer, providing various services to benefit clients and the firm. Directional does not have any reportable legal or disciplinary events. The firm's code of ethics ensures high standards of conduct, including the protection of client information and prohibition of insider trading. Clients receive quarterly statements from Schwab, and Directional does not have custody of client assets.