# Florek Financial

Florek Financial is a Bank / Wealth / Trust based in Duxbury, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Duxbury, United States
- **Region:** North America
- **Address:** Duxbury, MA, United States
- **Founded:** 2009
- **Assets under management:** Undisclosed
- **Website:** florekfinancial.com
- **LinkedIn:** https://www.linkedin.com/company/florek-financial-llc

## Regulatory record

- **CRD number:** 152235
- **SEC file number:** 801-110016
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/152235

## About

Founded in 2009 and based in Duxbury, Massachusetts, Florek Financial is a registered investment adviser that serves individuals, high-net-worth families, trusts, estates, pensions, and retirees. The firm built its practice around integrated wealth management, deliberately coupling discretionary investment management with financial planning, tax planning, and insurance and estate planning services. Rather than operating as a single-family office or institutional allocator, Florek competes in the fragmented local-RIA landscape, where client relationships are anchored by proximity and multi-generational planning. The firm delivers advice across a standard RIA toolkit — portfolio construction, retirement-income modeling, risk-management assessment, and insurance structuring — without tilting toward a single asset class, sector, or stage. Its client base spans lifecycle stages from accumulation to decumulation, and its fiduciary posture as an RIA requires it to manage conflicts between insurance product distribution and advisory fees. No public team size, AUM figure, or additional office locations are disclosed by the firm, and no private-capital activity, venture investing, or direct-deal participation surfaces in the public record. The firm's footprint appears confined to the South Shore of Massachusetts, with no evidence of a multi-state registration footprint, institutional separate-account mandates, or pooled-vehicle launches. In the absence of published growth or personnel data, its scale and trajectory remain opaque. Florek Financial represents a structurally simple, geographically concentrated RIA without institutional reach or adjacent vehicles. Its most salient structural differentiator is the bundled service architecture — integrating investment management, tax, and estate disciplines under one advisory roof — which positions it to compete on wallet-share and advice continuity rather than on investment performance or sourcing edge. Governance and succession arrangements are not publicly documented.

## Questions

### What services does Florek Financial bundle under its advisory agreement?

According to its regulatory disclosures and public descriptions, the firm bundles discretionary investment management with financial planning, tax planning, and insurance and estate planning services. This integrated model means clients can receive coordinated advice across investment selection, tax-efficient withdrawal strategies, Insurance needs analysis, and estate-transfer planning from a single advisor relationship.

### How does the firm resolve conflicts between fee-based advice and insurance commissions?

As a registered investment adviser, Florek Financial owes a fiduciary duty to its advisory clients on investment management and planning services. When it also conducts insurance transactions that generate commissions, it must disclose those conflicts and obtain client consent. The specific disclosure language and conflict-mitigation procedures are not publicly available but are required in its Form ADV Part 2A, which clients receive.

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Last updated: 2026-08-11T02:43:31.692Z

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