Denby Financial Services, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$2,870,416
Clients
23
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
23
TypicalAverage account size
$124,801
About
Denby Financial Services provides investment advisory and financial planning services to individual clients, offering continuous portfolio management, written financial plans (Wealth Health Review), and as‑needed consulting. The firm also prepares occasional impersonal educational newsletters that are distributed to clients and prospective clients.
The adviser’s investment process relies on fundamental analysis and a mix of long‑ and short‑term strategies, with a general preference against market timing while allowing adjustments for cash or special situations (e.g., low‑basis stock or legacy holdings). A notable operational characteristic is that most accounts are managed on a non‑discretionary basis, meaning the adviser typically seeks client approval before implementing trades, which can affect execution timing.
Compared with many independent peers, Denby Financial Services’ routine distribution of newsletters is an uncommon client communications practice and its reliance on primarily non‑discretionary management is also atypical. The firm also provides ancillary services such as income tax preparation, small business accounting and payroll, creating a broader set of client offerings than is typical for firms of comparable scale.
Client services
Financial planning
Portfolio management
Newsletters or periodicals
Expertise
Income planning
Retirement income strategy
Fee options
$1,000 fixed fee for financial planning services
Under $50,000 - $50,000: 1.15% $50,000 - $100,000: 1.00% Over $100,000+: 0.95%
$195 per hour for consulting services
Fee-only: Asset management fees based on AUM percentages; financial planning fixed fees; consulting hourly fees
Main office location
Denby Financial Services, LLC
Clifton NJ, United States
Number of offices
1
Most active in
Denby Financial Services, LLC has reported serving >5 clients in these states in the last 12 months.
New Jersey
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")