Franco Financial Advisors

The firm operates on a fee-only, advisory basis rather than as a broker-dealer. This means compensation comes directly from clients as a percentage of assets under management or a fixed planning fee, not from commissions on product sales. The structure creates a fiduciary duty to recommend strategies that best serve the client, eliminating the incentive to push proprietary funds or high-commission products.

Franco Financial Advisors employs an asset-allocation framework centered on public equities and fixed income, implemented through third-party ETFs and mutual funds. Portfolios are calibrated to each client's risk tolerance, tax situation, and withdrawal needs. The firm prioritizes low-cost, transparent vehicles and avoids market-timing strategies, instead rebalancing systematically and integrating tax-loss harvesting throughout the year.

The firm's minimums are not publicly published, though its boutique structure and service model suggest a threshold that aligns with high-touch advisory. Fee-only RIAs serving professionals and business owners in the New York market typically set minimums between $500,000 and $1 million, but any specific figure is undisclosed on the firm's public materials.

Unlike practices that outsource tax strategy to an outside CPA, Franco Financial Advisors weaves tax considerations into ongoing portfolio management. This includes locating tax-inefficient assets inside retirement accounts, harvesting losses in taxable accounts, and sequencing withdrawals to minimize the client's lifetime tax burden. The integration is a core differentiator from platforms that treat tax planning as a separate, annual exercise.

The firm is not a single-family office. It operates as a registered investment advisor serving multiple individual and family clients, primarily in the New York region. Its service model reflects a multi-client wealth management practice rather than the consolidated balance-sheet structure of a dedicated family office.