Description of Firm
Eaton Financial Holdings Company, LLC is a registered investment adviser primarily based in Coral
Springs, FL. We are organized as a limited liability company ("LLC") under the laws of the State of
FL. We are primarily owned by Douglas Jay Eaton and have been providing investment advisory
services since September 13, 2021.
The following paragraphs describe our services and fees. Refer to the description of each investment
advisory service listed below for information on how we tailor our advisory services to your individual
needs. As used in this brochure, the words "we," "our," and "us" refer to Eaton Financial Group and the
words "you," "your," and "client" refer to you as either a client or prospective client of our firm.
Wealth Management Services
We provide investment management services on a discretionary and non-discretionary basis according
to the investment objectives of the client and in accordance with the terms and conditions of the
Investment Advisory Agreement between our Firm and the client. Based upon the client’s stated
investment objectives, Eaton Financial Group's investment management focuses on the use of model
portfolios in order to provide investment returns consistent with clients’ investment goals and
objectives.
The investment strategies used in our models incorporate fundamental analysis in reviewing the
financial condition and competitive position of a company or asset class. This analysis may include an
assessment of the financial condition, capabilities of management, earnings, new products and
services, as well as the company’s or asset class’ markets and position amongst its competitors in
order to determine the recommendations made to clients. Technical analysis is used to supplement our
investment strategies which involve the use of charts to identify market patterns and trends which may
be based on investor sentiment rather than the fundamentals of the company.
Our models are designed for investors with varying degrees of risk tolerance ranging from a more
aggressive investment strategy to a more conservative investment approach. Based upon a particular
model portfolio, our Firm will invest client’s accounts in certain percentages amongst numerous asset
classes (e.g. stocks, corporate and government bonds, ETFs, mutual funds and alternate investments)
in order to maximize client’s investment returns while achieving lower volatility within pre-determined
risk parameters.
Clients whose assets are invested in model portfolios may not set restrictions on the specific holdings
or allocations within the model, nor the types of securities that can be purchased in the model.
Nonetheless, clients may impose restrictions on investing in certain securities or types of securities in
their account. In such cases, this may prevent a client from investing in certain models that are
managed by our firm.
If you participate in our discretionary portfolio management services, we require you to grant our firm
discretionary authority to manage your account. Discretionary authorization will allow us to determine
the specific securities, and the amount of securities, to be purchased or sold for your account without
your approval prior to each transaction. Discretionary authority is typically granted by the investment
advisory agreement you sign with our firm and the appropriate trading authorization forms.
You may limit our discretionary authority (for example, limiting the types of securities that can be
purchased or sold for your account) by providing our firm with your restrictions and guidelines in
writing.
DPL Financial Partners, LLC (“DPL”)
Eaton Financial Group offers insurance services to its clients through a relationship with DPL Financial
Partners, LLC (DPL). DPL is a third-party provider of a platform of insurance consultation services to
investment advisers with clients who have current or future needs for insurance products. DPL's
platform is available to SEC- and state-registered investment advisers ("RIAs"), as well as to
investment advisers who are exempt from SEC and state registration ("exempt reporting advisers" or
"ERAs").
Through DPL’s platform, we may provide advice to a client on the investment options available in a
client’s securities and insurance products. In some cases, we will charge an asset-based fee to the
client based on the value of those investments when determining our advisory fee. Eaton Financial
Group charges no other fees to its clients related to the DPL platform.
Eaton Financial Group pays DPL a fixed annual membership fee for access to the DPL platform.
Through its licensed insurance agents, who are also registered representatives of The Leaders Group,
Inc. (“The Leaders Group”), an unaffiliated SEC-registered broker-dealer and FINRA member, DPL
offers members a variety of services relating to commission free insurance products. These services
include, among others, providing members with analyses of their current methodology for evaluating
client insurance needs, educating and acting as a resource to members regarding insurance products
generally and specific insurance products owned by their clients or that their clients are considering
purchasing, and providing members access to, and marketing support for, commission free products
that insurers have agreed to offer to members’ clients through DPL’s platform.
For providing platform services to RIAs and ERAs, DPL receives service fees from the insurers that
offer their commission free products through the platform. These service fees are based on the
insurance
premiums received by the insurers from DPL members’ clients. DPL is licensed as an
insurance producer in Kentucky and other jurisdictions where required to perform the platform
services. Its representatives are also licensed as insurance producers, appointed as insurance agents
of the insurers offering their products through the platform, and registered representatives of The
Leaders Group.
Financial Planning Services
Eaton Financial Group offers financial planning services which typically involve providing a variety of
advisory services to clients regarding the management of their financial resources based upon an
analysis of their individual needs (e.g., review of goals and objectives, analysis and recommendations
for cash flow planning, asset allocation/investment planning, insurance planning, estate planning,
retirement planning, education planning, real estate/mortgage planning, etc.). These services can
range from broad-based financial planning to consultative or single subject planning. If you retain
Eaton Financial Group for financial planning services, we will meet with you to gather information about
your financial circumstances and objectives. We may also use financial planning software to determine
your current financial position and to define and quantify your long-term goals and objectives. Once we
specify those long-term objectives (both financial and non-financial), we will develop shorter-term,
targeted objectives. Once we review and analyze the information you provide to our firm and the data
derived from our financial planning software, we will deliver a written plan to you, designed to help you
achieve your stated financial goals and objectives.
Financial plans are based on your financial situation at the time we present the plan to you, and on the
financial information you provide to us. You must promptly notify our firm if your financial situation,
goals, objectives, or needs change.
You are under no obligation to act on our financial planning recommendations. Should you choose to
act on any of our recommendations, you are not obligated to implement the financial plan through any
of our other investment advisory services. Moreover, you may act on our recommendations by placing
securities transactions with any brokerage firm.
Pension Consulting Services
Eaton Financial Group offers consulting services to pension or other employee benefit plans (including
but not limited to 401(k) plans). Pension consulting may include, but is not limited to:
o identifying investment objectives and restrictions
o providing guidance on various assets classes and investment options
o recommending money managers to manage plan assets in ways designed to achieve
objectives
o monitoring performance of money managers and investment options and making
recommendations for changes
o recommending other service providers, such as custodians, administrators and broker-
dealers
o creating a written pension consulting plan
These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance
of the plan and its participants.
Types of Investments
We offer advice on equity securities, corporate debt securities (other than commercial paper),
certificates of deposit, municipal securities, variable annuities, mutual fund shares, United States
government securities, options contracts on securities, money market funds, REITs, ETFs and digital
assets.
Additionally, we may advise you on various types of investments based on your stated goals and
objectives. We may also provide advice on any type of investment held in your portfolio at the inception
of our advisory relationship.
Since our investment strategies and advice are based on each client’s specific financial situation, the
investment advice we provide to you may be different or conflicting with the advice we give to other
clients regarding the same security or investment.
IRA Rollover Recommendations
Effective December 20, 2021 (or such later date as the US Department of Labor (“DOL”) Field
Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL’s
Prohibited Transaction Exemption 2020-02 (“PTE 2020-02”) where applicable, we are providing the
following acknowledgment to you. When we provide investment advice to you regarding your
retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I
of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable,
which are laws governing retirement accounts. The way we make money creates some conflicts with
your interests, so we operate under a special rule that requires us to act in your best interest and not
put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent
advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal
advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best
interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest.
Assets Under Management
As of February 12, 2024, we provide continuous management services for $432,842,299 in client
assets on a discretionary basis and $0 on a non-discretionary basis.