Fiduciary Consulting Group

The firm operates as a fee-only RIA, charging advisory retainers rather than earning commissions or distribution fees. It does not manufacture proprietary funds. Lombardo has stated in industry filings that this model eliminates the conflict of interest inherent in commission-based advice and allows the firm to sit fully on the client's side of the table across insurance, real estate, and credit decisions.

President Dean Lombardo is the named principal and the central investment decision-maker. The firm maintains a compact team structure, meaning Lombardo is directly involved in portfolio construction, deal sourcing, and client relationship management for the limited roster of families under advisory.

Rather than using third-party interval funds or large blind-pool private equity commitments, the firm sources individual private credit instruments (bridge loans, mezzanine debt, structured settlements) and direct commercial real estate partnerships. Each deal is allocated to specific families based on their individual liquidity and tax profiles.

The firm holds insurance licenses, which allows it to evaluate and implement life insurance and annuity strategies as components of a family's overall balance sheet rather than as product-driven sales. This integration is often used for families with estate tax exposure or illiquid operating businesses that require liquidity planning.

The firm has historically focused on families with $5 million to $50 million in investable assets — a segment it argues is undersized for the largest private banks but too complex for conventional brokerage models. The client roster is intentionally limited to maintain principal-level attention.