SOARES FINANCIAL, INC.

Soares Financial is organized as a registered investment advisor — an independent, fee-only firm that is legally bound by a fiduciary duty to act in the best interests of its clients. It does not operate under a broker-dealer umbrella, meaning its advisors do not earn commissions from product sales. This corporate structure places it among the independent RIA channel, distinct from wirehouses and insurance-affiliated advisory practices.

The firm manages discretionary portfolios using publicly traded equities, fixed-income instruments, exchange-traded funds, and mutual funds. Its approach centers on strategic asset allocation calibrated to each client's risk tolerance and time horizon. There is no public indication of direct private equity, venture capital, or hedge fund commitments — the strategy appears confined to liquid, regulated public markets.

Portfolio construction is expected to rely on direct ownership of individual securities alongside mutual funds and ETFs. As an RIA of this scale, the firm almost certainly does not act as a limited partner in private capital fund commitments — it accesses investment exposures through the fund structures available on its custodial platform.

There is no public evidence that Soares Financial engages in co-investment activity alongside external general partners. The firm's operational model — managing individual client portfolios via a third-party custodian — is typically incompatible with club deal or direct co-investment structures, which require different legal infrastructure and investor qualification standards.

As an independent RIA, Soares Financial operates without a proprietary product mandate. Broker-dealer advisory programs often steer clients toward in-house mutual funds or model portfolios that generate internal revenue; a fee-only independent RIA has no such incentive. Client portfolios are built exclusively from external, third-party investment products, and the firm's revenue comes solely from the advisory fee negotiated with each client.