Highland Financial Advisors, LLC

HIGHLAND Financial Advisors, LLC is a registered investment adviser with the Securities and Exchange Commission, offering financial planning and investment advisory services to individuals, families, pension and profit-sharing plans, and business entities. The firm was originally established in 1996 as Tyras, Fraasa & Associates, LLC, and later changed its name to HIGHLAND Financial Advisors, LLC in 2005. The firm specializes in wealth management, investment management, and ERISA fiduciary investment management services for employer retirement plans. The firm's investment philosophy is based on Modern Portfolio Theory, emphasizing asset allocation as the primary determinant of portfolio performance. Clients have the option to receive financial planning services, including developing a financial plan with detailed costs for lifestyle goals, investment policy statement development, and specific recommendations tailored to individual goals and risk tolerance. HIGHLAND Financial Advisors, LLC charges fees ranging from 0.15% to 1.00% for wealth management services, 0.15% to 0.80% for investment management services, and 0.15% to 0.80% for ERISA fiduciary investment management services. The firm does not receive third-party compensation, 12b-1 fees, or commissions from recommended products. Clients have investment discretion, allowing the firm to determine securities to buy or sell without specific client consent. The firm does not offer performance-based fees or side-by-side management. Clients' funds and securities are held by a qualified custodian, typically Schwab & Co., Inc. The firm's principal owners are Reed C. Fraasa, Edward J. Leach, and AnnaMarie Mock, who are all CERTIFIED FINANCIAL PLANNER™ professionals. There are no disciplinary actions reported for the firm or its advisors. The firm's brochure supplement provides detailed information about each advisor's background, education, certifications, and business experience.