Focal Point Financial Group

Focal Point is a fee-only firm. Its website states the practice charges transparent, subscription-based fees with no hidden sales charges or kickbacks. The firm does not receive commissions from product sales, which is the core of its structural commitment to eliminating compensation-driven conflicts.

Founder Brent Hoskins is the only named decision-maker on the firm’s public-facing materials. The website does not list additional advisors, associates, or an investment committee, though the practice may employ unlisted support staff.

The firm emphasizes a flexible model that allows clients to maintain whatever level of control they prefer over their investments. It does not publicly clarify whether it holds discretionary authority, making the service closer to non-discretionary planning with implementation support, but the exact regulatory posture requires direct confirmation.

Basic Planning targets early-career clients, often without children, who may have assets limited to an employer retirement plan. Intermediate Planning serves mid-to-late-career households, often with children and outside investments. Advanced Planning supports those in or near retirement who hold multiple account types — tax-deferred, tax-free, and taxable — and face more complicated coordination needs.

Focal Point does not manufacture or distribute proprietary investment products. Its website describes an objective approach in which the firm works with the corporate retirement-plan relationships clients already have, suggesting it advises on existing accounts rather than operating as a gatekeeper selecting external managers.