Services
SFM Financial Advisors LLC supports your investment and tax needs so that you can devote more of yourself to the pursuits that matter most.
Financial Advising
Our objective is to align your needs and assets in a way that frees you to focus on your priorities.
Tax Filing
We work to minimize your tax obligations and keep you in good standing with the IRS.
Investment Management
Utilizing time and asset diversification to manage risk tolerance and achieve your goals.
Investment Philosophy
We use time and asset diversification to, 1) manage exposure to risk, 2) improve the likelihood of goal based outcomes, and 3) provide a buffer against short term impacts to cash flow . At SFM Financial we are guided by Macro-Economic Trends, both domestically and globally. We work to position clients for long term success.
While we can provide a review of individual equities, SFMFA holds the view that markets are constantly under the influence of manipulative forces, and that those with the greatest influence over market infrastructure are incentivized against the interests of retail investors. For these reasons, we utilize ETF and Mutual fund holdings as the primary tools for equity investing, and we focus on goals based investing.
Prices & Fees
Comprehensive Planning and Asset Management
Investment advising is based on assets under management. This fee is inclusive of financial planning support and individual financial advising needs that will arise. The objective is achieve financial goals and to keep gross fees (management, Brokerage, and fund expenses) as low as possible. The planning / Asset management fees decrease as assets managed grow ($100k-$250k @ 0.88%| $250k-$1m @ 0.72% | $1m+ @ 0.6% |>$3m negotiable).
The following is an example of average annual fees that might be paid on $700k, held in two investment accounts:
- Management fee for a fully invested account (0.72%) = $5,180 (Actual fees may be lower since fees are not withheld on moneymarket/cash balances, an integral part of most retirement accounts).
- Third Party Brokerage/Custodial fees – $300-$500+, fees affected by number of accounts and investments.
- Third Party Fund expenses – $350-$1,750+. Fees are taken as an adjustment to the funds fair market value of a fund/ETF and are not seen by the investor (fees for ESG and managed funds can be >3 times this rate).
- Total Annual Fee, from 0.83% to 1.06%.
Hourly Financial Advising
$219/hr | Fees are quoted before delivery
This approach works well for individuals that are seeking insight on a specific topic, an initial/periodic review of their accounts, retirement actions to be taken, or other financial and tax related decisions.
Tax Filing
Prices Vary | Fees based on return complexity
Taxes are as unique in their preparation as the circumstances of the filer. Below are price ranges for different filing scenarios (unique situations will fall outside the price ranges listed).
- Filer with employment and standard investment/interest income and no dependants – $140-$280
- Filer with employment and standard investment income, dependants, itemizing expenses, educational expenses, and other minor additions – $350-$800
- Filer with multiple income streams, including business / rental or self employment, investment, gain on asset sales, dependants, itemizing expenses, educational expenses, and other minor additions – $480-$1400
- Complex Filers – Tax returns that require extensive filing, organizational support, historical research, or coordination support with the IRS, will increase the cost of a return. These returns will have an hourly fee ($115/hour) calculated and added to the existing preparation fee and will be quoted prior to services rendered.
- State returns will add $80-$160/state to a standard return and $240+/state to a more complex return