Duncan Financial Management, Inc.

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Client assets under management

$25,434,547

Clients

375

3% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

188

Very High

Average account size

$67,825

About

Duncan Financial Management serves individuals (including high net worth clients), trusts and estates, business entities, and company retirement plans, providing discretionary investment management and comprehensive financial planning services that cover retirement, income, tax, estate, and health care planning. The two-advisor firm manages roughly $25.4 million in discretionary assets and also offers stand‑alone planning and consulting engagements.

The firm develops customized retirement roadmaps and allocates client assets across equities, fixed income, mutual funds and ETFs, providing ongoing supervision and the option for discretionary authority; it generally charges percentage‑of‑AUM fees but can negotiate fixed or alternative fee arrangements. Duncan Financial treats cash as an asset class, may employ inverse/enhanced ETFs and options strategies for hedging or tactical purposes with client consent, and generally recommends Schwab for custody and execution.

Duncan Financial publishes periodic newsletters (provided free to clients and available to non‑clients for a fee) and conducts educational seminars on an impersonal basis, services that are uncommon among similarly sized advisory firms. The firm also operates as a licensed insurance agency and its representatives may sell commissionable insurance and annuity products, with disclosures and client consent processes described in the brochure.

Client services

Financial planning Portfolio management Newsletters or periodicals Educational seminars or workshops

Expertise

General retirement planning Income planning Social Security optimization Medicare planning

Fee options

Fixed

Negotiable fixed fees for stand-alone financial planning ranging from $1,000 to $10,000; also possible flat fixed-fee amount billed quarterly for investment advisory services as negotiated.

Percentage

$0 - $500,000: 2.00% annually $500,001 - $1,000,000: 1.00% annually $1,000,001+: 0.80% annually

Commissions

Commission on insurance products, e.g., fixed indexed annuities with commissions up to 5% of premium, split between insurance agent and Duncan Financial.

Project-based

$325 per hour for financial planning and consulting services.

Other

Account minimum: $100,000 Minimum fee: Minimum annual fee of $2,000 per client family, generally includes investment advisory and financial planning services. May be waived or reduced at discretion.

Main office location

Duncan Financial Management, Inc.

10820 Sunset Office Drive, Suite 210

Sunset Hills MO 63127, United States

Number of offices

Most active in

Florida · Illinois · Missouri · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

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

Form ADV Part 2: Client Brochure

Quick links

Facebook Instagram Website 314-835-1111

Advisors at this firm

Jeffrey D

Series 63, Series 65

Sunset Hills, MO

Duncan Financial Management, Inc.

Jeffrey Duncan is a financial advisor with Duncan Financial Management, Inc. in West Palm Beach, FL, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with Duncan Financial Management since 2009. Outside of his advisory role, he is an independent insurance agent. Duncan Financial Management provides investment advisory and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm employs a fiduciary, client-education-focused approach, offering customized retirement roadmaps and diversified portfolio management that includes equities, fixed income, mutual funds, ETFs, and limited options strategies.

General retirement planning Income planning Social Security optimization Medicare planning

Sean D

Series 63, Series 65

Sunset Hills, MO

Duncan Financial Management, Inc.

Sean Duncan is a financial advisor at Duncan Financial Management, Inc. with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and TD Ameritrade. Duncan Financial Management provides investment advisory and financial planning services to individuals, trusts and estates, business entities, and company retirement plans. The firm uses a fiduciary, client-education-focused approach with customized retirement roadmaps and manages assets across equities, fixed income, mutual funds, and ETFs.

General retirement planning Income planning Social Security optimization Medicare planning

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