FINANCIAL FILOSOPHY
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$5,027,000
Total clients
6
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
6
Average account size
$837,833
About
Financial filosophy is a fee-only independent advisory firm that provides personalized financial planning and investment management to individuals as well as pension/profit-sharing plans, trusts, estates, charitable organizations and small businesses. The firm operates as a solo practitioner and, per its brochure, manages approximately $5.02 million for roughly ten clients across a mix of engagement types including ongoing advisory relationships, retainers and hourly planning engagements.
The firm follows a strategic asset-allocation, core-and-satellite approach that emphasizes passive index funds and ETFs as core holdings while selectively adding active funds, and it typically invests through no-load or low-load mutual funds, ETFs and, when appropriate, individual stocks and bonds. Investment advice is provided through consultation and documented investment policy statements, and the brochure notes that clients make final investment decisions — as of 5/27/2024 all assets were managed on a non-discretionary basis with trades executed under a limited power of attorney and accounts reviewed at least quarterly.
What is noteworthy about this firm compared with many peers is its primarily non-discretionary asset management model, which is uncommon among independent advisers and means the advisor routinely seeks client concurrence before implementing trades. The brochure also emphasizes the firm’s fee-only structure with negotiable engagement terms, use of qualified custodians (Schwab Advisor Services), written net-worth and portfolio reporting, and formal information-security and business-continuity practices.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Cash flow / budgeting
Fee options
Financial plan fees range from $1,000 to $2,000, negotiable; Retainer Agreement fee $2,000 annually, negotiable; Investment Management Agreement fee $2,000 annually, negotiable
$0 - $6,000,000: 1.00% $6,000,001 - $7,000,000: 0.80% $7,000,001+: 0.60%
$250 per hour for limited scope financial planning engagements
Account minimum: $100,000 Minimum fee: Minimum annual fee of $1,000 for accounts with $100,000 minimum; $750 minimum annual fee charged if account falls below $80,000 Fee-only: Fee-only financial planning and investment management; no commissions or product sales
Main office location
FINANCIAL FILOSOPHY
New York NY, United States
Number of offices
1
Most active in
FINANCIAL FILOSOPHY has reported serving >5 clients in these states in the last 12 months.
New York · Texas
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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