S & L Financial Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$681,622
Clients
2
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
2
Very LowAverage account size
$340,811
About
S & L Financial Management is an independent, single-advisor registered investment adviser that provides discretionary portfolio management and project-based financial counseling to individuals, trusts, estates, charitable organizations, and business entities. The firm delivers custom investment management alongside financial planning work such as retirement planning, tax-aware strategies, and cash flow analysis.
The adviser follows a concentrated value strategy focused on long-term capital appreciation, typically holding a small number of equity positions and using both fundamental and technical analysis within a tactical allocation framework. The firm may employ trading techniques including margin, option writing and other derivatives in separately managed accounts, and may structure compensation arrangements that include performance-based fees for qualified clients.
Compared with many peers, S & L’s combination of performance-fee arrangements, use of derivatives in separately managed accounts, and willingness to provide portfolio management to institutional or business clients is uncommon for a solo independent adviser. The brochure also discloses that the firm’s principal holds a compensated ministerial role outside the adviser, a relationship the firm acknowledges as a potential conflict and addresses through suitability, trading policies, and disclosures.
Client services
Financial planning
Portfolio management
Expertise
Active portfolio management
Concentrated stock management
Tax-loss harvesting
Cash flow / budgeting
Fee options
$300 to $5,000 per project, depending on complexity and time required
$0 - $1,000,000: 2.00% $1,000,001 - $1,500,000: 1.75% $1,500,001 - $2,000,000: 1.50% $2,000,001 - $2,500,000: 1.25% $2,500,001+: 1.00%
20% of gains exceeding a 4.00% hurdle rate annually, subject to a high water mark for qualified clients
Account minimum: $100,000
Main office location
S & L Financial Management
Walnut CA, United States
Number of offices
1
Most active in
S & L Financial Management has reported serving >5 clients in these states in the last 12 months.
California
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.
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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.
-
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
Quick links
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