Epona Financial Solutions
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$48,473,687
Total clients
28
54% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
28
Average account size
$1,731,203
About
Epona Financial Solutions serves individuals and couples with fee-only financial planning, investment management, and divorce settlement analysis. Typical engagements cover cash flow and budgeting, asset allocation and portfolio review, college funding, insurance and estate document review, and preparation of case information statements for divorce matters.
The firm applies Modern Portfolio Theory to build diversified, low-cost portfolios using mutual funds and ETFs, employs Monte Carlo simulations and periodic rebalancing, and acts as a fiduciary when advising retirement accounts. Portfolios and plans are monitored on an ongoing basis, and written plans or project work are delivered under hourly or flat-fee arrangements with clearly defined retainer and billing procedures.
What distinguishes Epona is its niche emphasis on divorce financial planning: the principal holds CDFA™ credentials, uses Family Law software for divorce settlement analyses and prepares cash-flow and net-worth projections as part of those engagements, with retainer-based billing and travel time charged when applicable. The firm is a solo, fee-only advisor managing roughly $41.7 million across a small, concentrated client base, combining that specialization with project-oriented planning services.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Divorce planning services
Expertise
Divorce financial planning
Cash flow / budgeting
Fee options
Financial planning flat fees range from $2,000 to $3,000
$0 - $1,000,000: 0.75% $1,000,001 - $2,000,000: 0.60% $2,000,001 - $3,000,000: 0.50% $3,000,001 - $4,000,000: 0.20% $4,000,001+: 0.10%
$325/hour for financial planning and divorce settlement analysis; $65/hour travel time for divorce analysis
Minimum fee: $500 quarterly minimum fee ($2,000 annually) Fee-only: Financial planning and divorce settlement analysis charged hourly at $325/hour or flat fee range $2,000-$3,000; divorce settlement analysis retainer $3,000-$4,000
Main office location
Epona Financial Solutions
Millington NJ, United States
Number of offices
1
Most active in
Epona Financial Solutions 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")