G
George J. Appel
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$40,902,124
Total clients
50
0% high-net worth
Total advisors
1
of 2 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
50
Average account size
$818,042
About
The firm provides fee-only financial planning and investment advice to individuals, families, small businesses, trusts and estates, offering ongoing planning engagements, investment reviews, and occasional assistance with employer retirement plans. Its clientele is primarily composed of non‑high‑net‑worth individuals rather than affluent households, with services ranging from single‑topic hourly retainers to bundled ongoing planning.
Investment services are delivered largely on a non‑discretionary basis — the firm performs periodic account reviews, research and written recommendations while clients retain final trading authority — an arrangement that is uncommon among peers. The advisor uses third‑party research and portfolio tools (Morningstar, Riskalyze, Kwanti and others), does not accept commissions, and has discontinued offering third‑party discretionary sub‑advisor programs.
Noteworthy distinctions include a fee model that emphasizes flat fees, retainers and fixed‑dollar account billing instead of typical percentage‑of‑assets pricing, and a practice that generally does not take custody or discretionary trading authority. The firm combines comprehensive planning (estate, tax, retirement distribution strategies) with ancillary services such as seasonal tax return preparation and trustee duties, and operates under a CFP® fiduciary standard.
Client services
Financial planning
Portfolio management
Tax planning & tax prep
Fee options
Initial financial planning engagement flat fee ranges from $1,200 to $7,500; ongoing planning services flat fees range from $750 to $4,800 annually.
Less than $50,000 - $50,000: Less than $100,000 - $100,000: More than $100,000 - $250,000: More than $250,000 - $500,000: More than $500,000 - $1,000,000: More than $1,000,000 - $1,500,000: More than $1,500,000 - $2,500,000: More than $2,500,000+:
Hourly rate of $250 per hour for financial planning and investment services; minimum fees of $350 per engagement for financial planning and $500 per engagement for investment services.
Account minimum: No explicit minimum stated for becoming a client; fees apply starting from accounts below $50,000 for investment advisory services. Minimum fee: Investment advisory minimum annual fees start at $350 for accounts under $50,000. Fee-only: Flat fees for financial planning engagements ranging from $1,200 to $7,500 for initial planning and $750 to $4,800 annually for ongoing planning; hourly rates of $250 per hour with minimum fees of $350 to $500 per engagement depending on service.
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.
Main office location
George J. Appel
Harveys Lake PA, United States
Number of offices
1
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")