S.F. Ehrlich Associates, Inc.

S.F. Ehrlich Associates provides discretionary investment management, financial planning, and consulting services primarily to individual and high‑net‑worth clients, as well as their affiliated trusts and estates. The firm operates on a fee‑only, asset‑based advisory model and offers both ongoing portfolio management and stand‑alone planning or consulting engagements.

S.F. Ehrlich tailors investment strategies to each client’s stated objectives, employing a strategic asset‑allocation framework with a core‑and‑satellite approach that emphasizes passive mutual funds and ETFs while selectively adding active managers. The firm provides ongoing monitoring and periodic rebalancing, may aggregate external assets for reporting purposes, and typically recommends a major custodial broker‑dealer to execute and custody client assets.

Compared with many peers, the firm’s brochure discloses the use of hypothetical performance in its materials, an uncommon practice among supported advisers. The brochure also includes a disciplinary disclosure describing a Consent Agreement and Order entered with the Pennsylvania Department of Banking and Securities in 2017 related to a period during which the firm was not registered in that state.