Semper Financial

Semper Financial Advisors LLC provides discretionary investment management and, upon request, written financial planning to individual and high‑net‑worth clients, managing about $37 million for roughly 64 client relationships. The firm’s services focus on tailored portfolios using equities, bonds, mutual funds and ETFs and it no longer offers services to business entities, trusts, or retirement plans.

The firm’s investment approach is a long‑term, buy‑and‑hold strategy grounded in Modern Portfolio Theory, emphasizing diversified asset allocation implemented principally through mutual funds and ETFs while seeking to minimize trading and transaction costs. Accounts are generally managed on a discretionary basis, reviewed periodically (with recommendations made on a quarterly basis) and custodied through a recommended broker‑dealer that also provides institutional trading and operational support.

A notable aspect of the firm is its affiliation with a principal’s separate accounting practice: a licensed CPA/CFP who provides tax and accounting services to clients as a distinct business and bills separately, with no referral‑fee arrangements but the potential for cross‑referrals. The same principal also holds state insurance licenses and may receive customary commissions for implementing insurance products, which the firm discloses as a potential conflict of interest.