Beck Bode LLC, established in February 2013, is a financial advisory firm based in Dedham, MA. The firm offers portfolio management services tailored to individual client goals, objectives, and risk tolerance. Investment Policy Statements are created for each client to guide portfolio selection. Beck Bode requests discretionary authority from clients to execute transactions without prior permission. The firm operates as a fiduciary, making investment decisions in the best interest of clients. Services include pension consulting, financial planning, and management of ERISA assets. Beck Bode specializes in mutual funds, fixed income securities, equities, and ETFs, primarily recommending growth and dividend-paying equities. The firm charges asset-based fees not exceeding 3% annually, calculated quarterly. Clients have the flexibility to terminate agreements with a full refund within five business days of signing. Beck Bode does not participate in wrap fee programs and manages over $489 million in discretionary assets. The firm conducts fundamental and quantitative analysis, utilizing long-term trading and options trading strategies. Clients include individuals, high-net-worth individuals, collective investment trusts, and pension and profit-sharing plans. Beck Bode's brokerage practices involve custodians like Schwab and TD Ameritrade, offering benefits such as research, trading services, and educational events. The firm does not compensate non-advisory personnel for client referrals and does not maintain physical custody of client assets. Beck Bode provides discretionary investment advisory services and does not accept voting authority for client securities. The firm's financial condition is stable, with no bankruptcy petitions in the last ten years.

Financial Solutions Associates, operating under Goverman Financial Solutions, LLC, is an SEC-registered investment advisor established in 1993. The firm offers personalized financial planning and investment advisory services to individuals, trusts, estates, small businesses, pension and profit-sharing plan participants, and charitable organizations. Services include financial objective determination, cash flow management, tax planning, investment management, retirement planning, and estate planning. The firm specializes in financial planning and investment advisory services, with a focus on no-load mutual funds and exchange-traded funds. Clients have the option for discretionary investment management, with portfolios totaling $155,861,000 managed as of December 31, 2024. Financial Solutions Associates charges an hourly fee of $300 for financial planning services and an investment advisory fee based on a percentage of assets under management. The fee schedule ranges from 0.375% to 0.1875% quarterly based on the account value. The firm acts as a fiduciary for retirement accounts, ensuring clients' best interests. Clients have investment discretion with the ability to impose restrictions on investments. The minimum account size for investment advisory services is $200,000, with the firm having the discretion to waive this requirement. The firm employs strategic asset allocation and fundamental analysis in managing client portfolios, aiming to mitigate various investment risks. Financial Solutions Associates does not charge performance-based fees and does not engage in soft dollar programs. Clients are responsible for voting on securities and receive regular account reviews and reporting. The firm does not maintain custody of client funds and adheres to a Code of Ethics emphasizing client interests. Brett C. Goverman and Barnet Goverman supervise client accounts and adhere to CFP® certification standards. No disciplinary events are reported for the firm or its owners.