PF Advisors, LLC offers investment advisory services to individuals, high net worth individuals, families, trusts,
estates, businesses and charities. PF Advisors is a limited liability company registered in the state of Delaware
and headquartered in the State of Pennsylvania, and registered as an investment adviser with the SEC. Mr.
Philip G. Fraley III is the sole principle owner of PF Advisors, LLC, President, and Chief Compliance Officer. This
is PF Advisors annual filing for FYE2023 and as of 12/31/2023 PF Advisors had a total of $240,313,023.31 in
non-discretionary assets under management (“AUM”).
Investment Advisory Services
PF Advisors provides investment advisory services that relate to investment analysis, allocation of assets
among various asset classes, portfolio diversification, managing portfolio risk, and other general economic and
financial topics. PF Advisors offers financial advice and guidance to our clients and reviews existing and
potential investments from a strategic and tactical asset allocation approach. Investments are chosen and
structured based on the individual client needs. During our discovery process, we listen actively to the client's
known and unknown objectives, time horizons, risk tolerance, and liquidity needs. We also review and discuss
the client's prior investment history, as well as family composition and investing background. We then assist
clients with the management of their investments on a discretionary and/or non-discretionary basis. Account
supervision and structure is guided by a client’s needs and objectives, as well as their specific tax situations
and potential implications. Clients may impose reasonable restrictions on investing in certain securities, types
of securities, or industry sectors on assets managed on a discretionary basis. Our investment
recommendations and decisions are not limited to any specific security or industry and may include
investment advice regarding the following types on investment vehicles:
Mutual Funds
Exchange Traded Funds (ETFs)
Domestic Equities
Foreign Equities
Corporate Bonds
Commercial paper
Certificates of Deposit
Municipal bonds
U.S. Treasuries
Tax free fixed income
REITs
3rd Party Money Managers
Commodities
Alternative Investments
Hedge Funds
Because some types of investments involve certain additional degrees of risk, they will only be implemented
or recommended when consistent with a client's stated investment objectives, risk tolerance, liquidity needs,
and suitability.
Financial Reviews, Analysis & Planning:
PF Advisors reviews and analyzes a client’s current financial situation and in most situations, focuses on areas
of concern and interest that may impact their short and long term goals. In some instances a conflict of
interest may exist and PF Advisors will make clients aware of these potential conflicts of interest.
A. a conflict exists between the interests of the investment adviser and the
interests of the client,
B. the client is under no obligation to act upon the investment adviser's recommendation, and
C. if the client elects to act on any of the recommendations, the client is under no obligation to effect the
transaction through the investment adviser.
PF Advisors will, in most situations, focus on areas of immediate concern and interest that may impact clients
short and long term goals. These areas may include:
Estate Planning:
PF Advisors will review a client’s current exposure to estate taxes and clients current estate plan, which may
include whether clients have a will, powers of attorney, trusts and other related documents. PF Advisors will
discuss ways for clients to minimize and/or avoid potential estate taxes by implementing appropriate estate
planning strategies. We are available to work with a clients’ current attorney and/or may assist clients in
finding a qualified estate planning attorney.
Financial Goals:
PF Advisors helps clients identify personal financial goals and assists them in developing a plan to reach these
goals and dreams. PF Advisors will assist in determining what resources a client needs and what investments
are appropriate to reach these financial goals.
Investment Planning:
PF Advisors reviews client current investment asset allocation strategy and target asset allocation along with a
clients’ risk tolerance and time horizon in an effort to evaluate the appropriateness of each and every
investment. We also assist clients in reviewing employee stock options and purchase plans as well as other
areas of investment related concern.
Retirement Planning:
PF Advisors believes that it is always a good time to invest for/in the future and PF Advisors assists clients with
their retirement planning journey by guiding them to and through their retirement. PF Advisors helps clients
understand this process, where they are currently positioned, provide ideas to make the most of their savings
and investments, and shows them what they can do to stay on track for the retirement they envision.
Risk Management:
PF Advisors uses risk management to identify, analyze and accept or mitigate uncertainty within investments.
Essentially, risk management occurs any time an investor analyzes and/or attempts to quantify the potential
for losses of an investment and then takes the appropriate action (or inaction) given his investment
objectives and risk tolerance.
Tax Planning:
PF Advisors conducts an analysis of a client’s financial situation or plan from a tax perspective. The purpose
of tax planning is to ensure tax efficiency, with the elements of the financial plan working together in the most
tax-efficient way possible.
Investment Advisor to Private funds:
PF Advisors may act as an investment manager to private funds / pooled investment vehicles. These services
are negotiated and agreed upon prior to PF Advisors acting as an investment manager to the fund(s).